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
31 Questions Answered

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).
Q. My Ex husband lied about sons age to use him for IRS exemption on Chapter 13 info. What can i do? plan is confirmed.
A: You should contact the IRS to inform them if your ex-husband was not eligible to claim your minor child for an income tax exemption. The IRS will request a copy of the Court Order which determines which parent can claim the child as a dependent for income tax purposes. If you do not inform the IRS that he improperly claimed the exemption, YOU could be charged additional fees and penalties relative to your filed tax return, which the IRS will consider as being incorrect. You can get more information on this issue at online.
Q. I live in Alabama. My co-buyer on my Mortgage lives in TN. She declared Chapter 13. I can't afford the payments?
A: Your first action should be verifying whether you did in fact sign as a co-signer on the promissory note for the home loan. If yes, you can file your own bankruptcy case and pursue a discharge of your liability on the loan. If you live in the property, you may want to discuss other options with a lawyer who handles BOTH ch 7 and ch 13 bankruptcy cases. The answer to your question depends on whether you reside in the home and whether you are interested in trying to keep it.
Q. We filed ch 13 back in March. We have fallen behind again on our mortgage payments again. What can we do?
A: You should contact your attorney as soon as possible to discuss whether you can file a motion to modify the Ch 13 Plan to include the "Post-petition" mortgage arrears. It may be possible to apply for a loan modification ( go to and discuss with a housing counselor from HUD; let your attorney know you are doing this). A ch 13 case can in most instances be voluntarily dismissed, and a new case filed wherein you could add in the new mortgage arrears. Again, always ask your attorney about these options: they vary from case to case.
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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