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Kevin M Ryan

Kevin M Ryan

Call me. I'll BE there for you.
  • Bankruptcy, Collections, Foreclosure Defense...
  • Alabama
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I have practiced in the area of consumer and business bankruptcy law for more than 20 years. I meet directly with every client and provide a free office consultation. I believe that this is the best way to learn your situation and to determine the best course of action with respect to every client's unique set of circumstances.

Practice Areas
  • Bankruptcy
  • Collections
  • Foreclosure Defense
  • Personal Injury
  • Real Estate Law
  • Consumer Law
  • Free Consultation
    We accept debit cards. Credit cards are accepted in limited circumstances, as long as payor is verified as not being a party who is filing bankruptcy. A client cannot pay initial bankruptcy fees using a credit card.
  • Credit Cards Accepted
    I am not able to accept client credit card payments for bankruptcy fees unless a person who is not a party to your case uses their own credit card to pay legal fees.
  • Contingent Fees
    applies to personal injury, wrongful death and collection matters
  • Rates, Retainers and Additional Information
    We guarantee all of our fees. We do not operate on open, running fee agreements in bankruptcy matters unless pre-arranged with client for special matters or complex cases involving litigation. In come cases, creditors can be ordered to pay legal fees for violating certain consumer and bankruptcy laws.
Jurisdictions Admitted to Practice
6th Circuit
  • English: Spoken, Written
Professional Experience
licensed real estate sales associate
Jason Will Real Estate
- Current
Kevin Ryan is a real estate sales agent licensed in the State of Alabama and is a principal member of Ryan Realty Group, LLC
- Current
Legal practice focused entirely on consumer bankruptcy matters; Chapter 7 and Chapter 13 cases.
West Shore Property Management Inc.
residential property investment and management company
Cleveland State University
J.D. | Law
College of Wooster
B.A. | History
Activities: Football, Phi Sigma Alpha
Div. III NCAC All Conference Team ( Defense : Outside Linebacker) 1993; Captain; Most Inspirational Senior Award
College of Wooster Football
Professional Associations
American Bankruptcy Institute
Attorney Member
- Current
Mobile Bar Association
Attorney Member
- Current
National Association of Consumer Bankruptcy Attorneys (NACBA)
- Current
American Bankruptcy Institute
Websites & Blogs
Ryan Legal Services, Inc.
Ryan Legal Services, Inc. Attorney Bio
Legal Answers
45 Questions Answered

Q. I had my chapter 13 dismissed and consider chapter 7. I want to keep my home but I am $8000. behind what are my options
A: The only way you can force the lender to accept current payments on your home loan while at the same time pay the arrears over time is via Chapter 13. You may be able to get the $8,000.00 arrears put onto the back end of the loan via a Loan Modification, but you would need to start the application process asap. Go to and call HUD to talk to a housing loan counselor about your options. If your home loan is owned by Fannie Mae, FHA, Freddie Mac, the VA etc, then you should be able to move forward at the HUD website with your application. They may direct you to call the servicing company for the loan to request the application for loan modification. When you send in any info for a loan modification, send it USPS , UPS or FED EX with a Tracking ID #. Make a copy of your docs and cover letter, and keep that with the Mailing or Shipping Receipt, so that you can have verification of everything you send, and proof of the date mailed. Finally, be persistent.
Q. I filed for Ch. 7 in the middle of a month. At the beginning of that month, I got a $2000/year raise, but filed
A: Once you have filed a case with retained legal counsel, it really is not appropriate for another attorney to "second guess" your lawyer since the lawyer should be the person who has spent the most time analyzing your information and becoming familiar with your situation, etc. That being said, in the Southern District of Alabama it is customary in a situation such as the one you describe for the Debtor through counsel to file all the necessary schedule amendments that may arise just after the 341 meeting. The Alabama bankruptcy courts are not part of the U.S. Trustee system used in 48 other states. We have a Bankruptcy Administrator employed by the U.S. District Court to oversee the bankruptcy process in the District. The Bankruptcy Administrator provides legal counsel at the 341 meeting to oversee each case, and to run the meeting of creditors. This, in my opinion, is a superior system to that of the U.S. Trustee System because the Bankruptcy Administrator Attorney acts as a neutral party between the Debtor attorney and the Chapter 7 Trustee. This alleviates all kinds of problems, usually petty issues that arise between two lawyers that are constantly dealing with one another on contested cases. Scheduling of the Meeting of Creditors is determined by the Bankruptcy Administrator's office, as well as followup for schedule amendments. This means that in the Alabama Bankruptcy Courts the Debtors are not pushed around by the Ch 7 trustee with threats of multiple court appearances ( such as Rule 2004 exams, which are sort of like mini depositions at the Trustee's law office). You should feel like you trust your attorney, and feel confident that he or she is providing you with the best advice. Signs of a good bankruptcy lawyer include having competent staff, good followup with you by phone, email or text when you have questions, and responsiveness to the Bankruptcy Court and Ch 7 Trustee, so that your case moves to a conclusion. If your lawyer is not returning your phone calls or answering your emails, has not shown up for court or is extremely late, or just generally not prepared ever, you may need to consider hiring another attorney.
Q. I live in Alabama and I was wondering if you can file on a car only and not other things.
A: Chapter 13 may ( stress, "may") enable you to "cram down" the vehicle loan, which is in simple terms a process whereby you pay the creditor only the current fair market value of the vehicle, with interest which is usually Prime Rate plus 1 or 2 points, over a time period of between 36 up to 60 months. At the end of a cram down Ch 13 Plan you get the title to the vehicle. The loan must be more than 2.5 years ( or 910 days) old to be eligible for cramdown. If you cannot cram down the vehicle you can still re-amortize the loan over a period of up to 60 months and lower the interest rate the same as a cram down.
Q. My attorney filed a motion to extend the reaffirmation agreement deadline for my bankruptcy case what will happen next
A: You get an autoamatic extension of 30 days under the Fed Rules of Bankruptcy Procedure to get the reaffirmation agreement filed
Q. I am filing BK. Gifted a truck w/$500 BBV to friend 7 mths ago. Now they don't need it. Advise they gift it back to me?
A: Depends on how much the truck was worth when you transferred it, and what bankruptcy exemptions are avaialble. I strongly suggest sitting down with a bankruptcy attorney to get this transfer mapped out on paper, and then determine what is best to do. It is not a fatal move that you did this, but you need to be careful in backing your case out if the weeds.
Q. Can I get a new credit card while I am awaiting Ch 7 discharge?
A: If you are currently in a Chapter 7 bankruptcy case, getting a credit card after the filing of your case, but before it is discharged may simply be a matter of going to a credit card clearinghouse website such as You would most like not have a lot of luck finding a credit card that has a good interest rate. The reason is that your credit report will still list all of your debts as due and owing until such time as the bankruptcy court issues the Discharge Order. Once you receive the discharge, your credit reports ( Trans Union, Equifax and Experian) will report each discharged debt as being no longer enforceable against you. The notation on each account should say "discharged in bankruptcy" after you receive the bankruptcy court's discharge order. If you are in a Chapter 13 bankruptcy case, the court in your district most likely will require that you apply for "leave" or permission from the court to enter into any agreement wherein you will be borrowing money. A credit card that will facilate your renting a vehicle, with a set limited balance, and which is required for employment should be a type of debt that the court will approve. The key is to first file a motion ( or application) with the court that officially makes the request to borrow funds. You should anticipate haivng to appear before the judge assigned to your case at least one time to verify the factual background causing the need for the credit card, and to answer any questions the court may have concering your incurring another debt.
Q. Should I get an affirmation of my new 2017 hyundai elantra loan
A: The automobile must be listed on Schedule A/B, and then the debt for the automobile ( if any) should be listed on Schedule D. You must make sure to claim any available exemption for vehicle equity ( FMV minus Loan principal balance) on Schedule C. You also must indicate on the Statement of Intention whether you want to reaffirm the auto loan or surrender the vehicle. You should consult with a bankruptcy attorney who can tell you the best way to approach any of these situations so that you get the best possible result.
Q. I'm on SSI and in chapter13, what would happen if I stop paying.
A: The case will be dismissed if you stop funding your ch 13 Plan.
Q. I don't own anything, I rent my home and make a monthly panhment on my car and don't expect an inheritance.
A: A Means Test is a schedule that has to be completed in consumer bankruptcy cases which provides a determination as to whether the individual is eligible to file a Chapter 7 case. In Chapter 13 cases the Means Test is relevant to the determination as to how much the Debtor has to pay general unsecured creditors and the length of the Plan ( minimum length 36 months, up to 60 months is the range provided under the U.S. Bankruptcy Code).
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Contact & Map
Ryan Legal Services, Inc.
209 N Joachim St
Mobile, AL 36603
Telephone: (251) 241-5234
Ryan Legal Services, Inc.
22011 Highway 59
Robertsdale, AL 36567
Telephone: (251) 431-6012
Fax: (251) 431-6006