Free Consultation: (251) 431-6012Tap to Call This Lawyer
Kevin M Ryan

Kevin M Ryan

Call me. I'll BE there for you.
  • Bankruptcy, Collections, Foreclosure Defense...
  • Alabama, Ohio
Claimed Lawyer ProfileQ&ALII GoldSocial Media

In June of 2015, I relocated with my family to Mobile Alabama. After 20 years of vacationing on the Gulf Coast, my wife and I decided that the Alabama Gulf Coast was the best place for us to raise our three children. Before relocating to the great State of Alabama, I represented thousands of consumer bankruptcy clients in Northeast Ohio during the course of the past 18 years. I come from a family of attorneys. My father and three brothers are lawyers practicing in the areas of consumer law, business litigation and catastrophic injury and wrongful death matters. I have a wide range of experience during my legal career thus far. I have practiced in the following areas before focusing full time on bankruptcy matters: Probate & Estate Planning, Divorce, Criminal Law, Juvenile Law, Federal and State appeals (criminal & civil cases), Personal Injury, Wrongful Death, and Collection matters. I have jury trial experience and have operated my legal offices on my own for 18 years. I have a substantial amount of experience in most areas that come up in bankruptcy matters. I worked two law-related jobs during law school and attended law school in the evening while supporting my family. I believe I have a unique background to assist people from all walks of life. I enjoy helping others in the course of my law practice and always seek to put my client(s) interest(s) ahead of my own. The practice of law is more than just a job to me. I consider it a vocation to help others in need and I strive to do that on a daily basis.

Practice Areas
  • Bankruptcy
  • Collections
  • Foreclosure Defense
  • Personal Injury
  • Probate
  • 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
National Association of Consumer Bankruptcy Attorneys (NACBA)
- Current
Websites & Blogs
Kevin M. Ryan's Website Profile
Ryan Legal Services, Inc. Website
Legal Answers
33 Questions Answered

Q. My neighbor house burnt down 3 years ago, they will not tear the home down major health problem.
A: You can sue the owner and claim that the property is a nuisance, so long as the property's current condition is creating actual harm to your adjoining parcel of land or the structures on it. You can also make a claim for any physical injuries and medical costs you have actually suffered as a direct and proximate result of the nuisance condition of the property. If it is simply an eyesore, your efforts are better spent at the local government level and through your local representative on city or township council.
Q. I live in Alabama and I'm trying to decide if I should file bankruptcy .. I have a us ed student loan $10k owed, doctor
A: Assuming your household size is single, or married with no dependents, Chapter 13 looks to be your best option under the U.S. Bankruptcy Code. Under Chapter 13, you would be required to set up a Plan which provides for a payment equal to your monthly "disposable income," running between 36 to 60 months. There are several other considerations to determining the amount of the Plan payment, such as whether you have mortgage arrears, tax claims, child support claims, an auto loan or auto loans, civil judgments etc. You should seek out an attorney near you who provides a free office consultation so that all options, including Chapter 7, can be looked at in more detail.
Q. Will filing chapter 13 show on a cosigner credit report
A: A chapter 13 filing imposes a co-debtor Stay on the creditor being able to collect on the account. This means that the creditor can take no action against the Ch 13 debtor or the co-signer. Filing a negative entry on the co-signer's credit report could violate the bankruptcy Stay Order, and also be a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act if the co-debtor's credit score is negatively affected by an entry made by a creditor subject to the bankruptcy Stay Order. The claim can be reactivated after the debtor completes the Chapter 13 case, either by finishing the plan, by case dismissal, or by conversion to Chapter 7. Conversion to a Chapter 7 bankruptcy by the debtor would terminate the co-debtor Stay, which only applies in Chapter 13 filings.
Q. Filling out business loan ap, as personal guarantor. Asking if ever filed bankruptcy. Its over 10yrs old. Disclose Y/N?
A: Federal and most likely your state's law ( or the applicable state law if an out of state lender) would require you to be truthful on your loan application. If there is space provided, add a notation of the date the bankruptcy case was filed. You should under no circumstances omit any requested information on the loan application. Many bank fraud criminal cases arise when the borrower later files a bankruptcy case. This information will go to the lender and they will most likely review the statements made on the loan application for any available legal grounds to object to your discharge on that debt. In the course of that investigation, your false statement by way of non-disclosure of the prior bankruptcy could be used against you in civil and criminal proceeding.
Q. How long does it take for a bankruptcy to disappear from your credit report?
A: A bankruptcy case filing is reported under the Public Records Section of your credit report for up to ten (10) years. The notation of the bankruptcy filing on the credit report is not significant enough to hold your credit score down after you receive the Discharge Order from the US Bankruptcy Court. Dave Ramsay has a chapter on credit scores and how to improve them in his personal finance book Total Money Makeover.
Q. My child's NCP, said he filed his back child support on his bankruptcy and it paid it all I haven't received anything y?
A: The back child support in the context of a Chapter 13 bankruptcy case filing would flow through the office of the Chapter 13 Trustee located in the district where the child support Obligor filed his case. The Obligor would not be able to get his CH 13 Plan confirmed unless he has made all post-filing child support payments that come due as of the date of the CH 13 confirmation hearing. Also, the arrears must be paid inside the Ch 13 Plan, and the Debtor cannot receive a discharge in the case unless he files a certification form at the end of the case testifying that all child support has been paid. There are some cases where the Obligor can negotiate an agreement with a County Child Support Enforcement Agency where part of the child support arrears are paid inside the Ch 13 Plan, with a set amount separated out from the bankruptcy discharge. This can only occur with the consent of the Child Support Agency, and occurs most of the time in cases where the child support is due directly to the Child Support Agency ( for, example, payback of welfare benefits for the child)
Q. We own our home, that is it is paid for, if we file bankruptcy on medical bills and decide to move for the wife to be
A: The creditors do not have a lien on your home which would have to be paid upon sale of the home unless they have filed a lawsuit and obtain a judgment. The creditor's judgment must be filed in the County where the real estate is located prior to the sale of the home for the creditor to be in a position to be paid at the time of closing. Otherwise, the net proceeds of the sale of the home are the property of the party who is on the title to the home. The creditors can still pursue their judgments, and at that time they will be able to use a myriad of strategies to attempt to collect the debt. This would be the subject of another blog post / question.
Q. How long does a creditor have to go after a deficiency judgment in Alabama?
A: Another issue you may want to have looked into is whether the creditor actually obtained personal service on you before the case proceeded to a judgment. I can't even count the number of times I have discussed this issue with a client in connection with a bankruptcy case where one of their creditors filed a lawsuit and obtained a default judgment after a different party signed for the certified mail containing the summons and complaint, or the process server failed to return the correct paperwork ( or paperwork that was not fully completed or signed). These issues may be grounds to petition the court to vacate the judgment. You should discuss issues of this type with an attorney.
Q. I am in bankruptcy and I make less, can I reduce the amout that I pay biweekly
A: You should first get together your last 6 months of pay stubs ( husband and wife if this is a joint case), and your most recent federal income tax return. If self-employed or a business owner, prepare a year to date income and expense report. Your attorney will need to review that information as well as your current household budget. Preparing accurate information for your lawyer as far as your current income and household expenses will put you in the best position to address any objections to your motion to modify the Chapter 13 Plan by the Chapter 13 Trustee, or (in rare instances) creditors. You should monitor this information throughout your case and let your attorney know if there are any material changes in your income, earnings and household expenses. Sometimes, a Debtor becomes eligible to convert the case to Chapter 7 and can thereby accelerate the issuance of a Discharge Order ( there are reasons in some cases to stay in Chapter 13, sometimes because certain debts can be discharged in Ch 13 and not in Ch 7; every case presents unique, different circumstances, so again, please discuss these issues with your attorney).
Click here to see all answers
Social Media
Contact & Map
22011 Highway 59
Robertsdale, AL, USA
Telephone: (251) 431-6012
Fax: (251) 431-6006
Ryan Legal Services, Inc.
209 N Joachim St
Mobile, AL 36603
Telephone: (251) 431-6012