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Kevin M Ryan

Kevin M Ryan

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  • Bankruptcy, Collections, Foreclosure Defense ...
  • Alabama
Claimed Lawyer ProfileQ&ALII GoldSocial Media

Attorney Kevin Ryan has practiced in the area of consumer and business bankruptcy law for more than 20 years. He worked his way through the College of Wooster, in Wooster Ohio while employed as a janitor and as a City worker during the summers laying asphalt. He was a four (4) year letterman and three (3) year starter on the College of Wooster football team and was a member of the NCAC All Conference Team (1992) and All Academic Team ( 1991-1992).

After college, Attorney Ryan attended evening law school at The Cleveland Marshall College of Law while working full time as a paralegal and law clerk for the Cuyahoga County, Ohio Office of the Public Defendant and for private law firms and attorneys. In more than 22 years Attorney Ryan has directly handled several thousand consumer and small business bankruptcy cases.

Attorney Ryan has also practiced in the areas of criminal law, family law, probate law, real estate law, civil and criminal appeals, personal injury law and business litigation. Attorney Ryan has handled jury trials, depositions, bench trials, mediations and administrative hearings. He brings a broad perspective and life experience to the table and gives personal attention to every case he takes on. He now focuses his practice on bankruptcy and consumer law matters.

Attorney Ryan resides in Loxley, Alabama with his wife Jessica (College of Wooster 1994) and three children.

Cleveland State University
J.D. | Law
Cleveland State University Logo
College of Wooster
B.A. | History
Activities: Football, Phi Sigma Alpha
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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
Ryan Legal Services, Inc.
- 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
Articles & Publications
Ryan Legal Services Inc Blog posts
National Association of Consumer Bankruptcy Attorneys
American Bankruptcy Institute
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
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Mobile Bar Association
Attorney Member
- Current
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National Association of Consumer Bankruptcy Attorneys (NACBA)
- Current
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Jurisdictions Admitted to Practice
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6th Circuit
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  • 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.
Practice Areas
    Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
    Foreclosure Defense
    Personal Injury
    Animal & Dog Bites, Brain Injury, Car Accidents, Construction Accidents, Motorcycle Accidents, Premises Liability, Truck Accidents, Wrongful Death
    Real Estate Law
    Commercial Real Estate, Condominiums, Easements, Eminent Domain, Homeowners Association, Land Use & Zoning, Mortgages, Neighbor Disputes, Residential Real Estate, Water Law
    Consumer Law
    Class Action, Lemon Law
  • English: Spoken, Written
Legal Answers
Q. On ssi jointly own home w/ 2 acres and 2 vehicles with boyfriend. If I file chapter 7 will i lose my home or car?
A: Alabama has a bankruptcy homestead exemption of only $16,450.00 which is adjusted for inflation every 3 years. If your property is owned free and clear, you can lose the property if you file a Chapter 7 bankruptcy case. It is of the utmost importance that you contact a bankruptcy attorney for your case, so that the real estate can be analyzed to see if it can be protected in a ch 7 bankruptcy case filing. If not, you can file under Chapter 13 and keep the home, as long as the payment required under the US Bankruptcy Code is one you can afford. It is possible to have land that is free and clear and so highly valued that filing Chapter 7 or Chapter 13 may not be practical. In that situation, you should consult with a lawyer who handles asset protection trusts or other types of asset protection strategies. The worst thing you can do is try to file a bankruptcy case without a lawyer, considering these circumstances.
Q. Do I have to give the trustee my tax refund in chapter 13 bankruptcy? Located in Alabama.
A: The Bankruptcy Code DOES allow for the Chapter 13 Trustee in any district to inquire as to the amount of future income received by the Debtor, from all sources. Some Trustees send out an annual Questionnaire to every active bankruptcy Debtor upon which a disclosure under oath must be made as to all sources of income the past year, along with a copy of the Debtor's tax return. This usually does not happen in districts with a high number of filings, because this is an administrative nightmare for the Trustee's office, the Debtor Attorneys and the Debtors. In the Southern District of Alabama the Chapter 13 Trustee does not intercept future tax returns or require the Debtor to report annually on any tax return funds. Another important caveat is that Earned Income and Child Tax Credits are exempt under federal and state law, so they cannot be taken by a Trustee regardless of when they are received, either before or after the filing of the Bankruptcy case.
Q. Can I file for bankruptcy if I get by personal checks. I work in a private home.
A: Yes. Receiving income via cash, private income, Bitcoin, or any other means can be disclosed to the Court to comply with 11 USC 521 / 11 USC 707 via an Affidavit prepared by your Attorney. The value of the compensation has to be disclosed to the Court. It must be included on the Means Test unless it is a type of income that is exempt, such as Social Security, VA disability and a short list of other incomes listed under the bankruptcy code.
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Websites & Blogs
Ryan Legal Services, Inc.
Ryan Legal Services, Inc. Attorney Bio
Ryan Legal Services, Inc Blog
Contact & Map
Ryan Legal Services, Inc.
26520 S Holley St Unit C
Loxley, AL 36551
Telephone: (251) 431-6012
Fax: (877) 499-5130
Monday: Open 24 hours
Tuesday: Open 24 hours
Wednesday: Open 24 hours
Thursday: Open 24 hours
Friday: Open 24 hours
Saturday: Open 24 hours (Today)
Sunday: Open 24 hours
Notice: Bankruptcy Helpline: 251-431-6012 All calls answered by live call center agent 24/7 365 days a year.
Ryan Legal Services, Inc.
209 N Joachim St
Mobile, AL 36603
Telephone: (251) 241-5234
Fax: (877) 499-5130
Ryan Legal Services, Inc.
22011 Highway 59
Robertsdale, AL 36567
Telephone: (251) 431-6012
Fax: (251) 431-6006