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Kevin M Ryan

Kevin M Ryan

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

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
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6th Circuit
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  • 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
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
Cleveland State University
J.D. | Law
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College of Wooster
B.A. | History
Activities: Football, Phi Sigma Alpha
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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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American Bankruptcy Institute
Websites & Blogs
Ryan Legal Services, Inc.
Ryan Legal Services, Inc. Attorney Bio
Ryan Legal Services, Inc Blog
Legal Answers
62 Questions Answered

Q. Is it illegal for a debt collector to come to your house and peep through the blinds in the state of Alabama?
A: The Debt Collector is required to comply with both state and federal law in collecting the debt. They are not allowed to breach the peace, assault or abuse you in any way in their actions to collect the Debt. The critical factor on your end as the Debtor is to collect evidence of these types of actions. Without evidence it is impossible to file a claim under the Fair Debt Collection Practices Act, or to initiate a criminal trespass complaint with your local police department.
Q. Grounds for a creditor to file an Objection to Confirmation of Plan
A: If your ex husband owes you a simple property settlement that is clearly not in the nature of "spousal support," then that claim can be discharged in his Chapter 13 Plan depending on his level of assets and income. I strongly recommend consulting with an Attorney who focuses on bankruptcy law, preferably over 15 years, and have them review the ex husband's Plan and your divorce settlement to determine what your rights are. Your ex husband's lawyer is not in any position to help you or provide guidance. If you get lulled into accepting the Plan, and it gets confirmed, you can lose your right to file an Objection and possibly get better treatment ( it all depends on your legal status and how it is recognized )
Q. I was served a process of garnishment today for a judgement that is dated 11/12/2008.
A: Alabama judgments are enforceable for ten years, and can be revived (renewed) before ten years are up, but they can only be enforced for 20 years. After 20 years, Alabama judgments become worthless
Q. Can I file for bankruptcy and what is the first step?
A: A bankruptcy filing may be the answer. Our office would provide a free consultation as well as a payment plan for legal fees and costs. The filing of the bankruptcy case puts a Stay ( stop) Order on all of your creditors. All calls, legal actions, wage garnishments, bank attachments etc must stop the moment you file the case ( the “automatic stay” order) If you are in Southern Alabama ( Mobile, Baldwin, Monroe, Washington, Conecuh, Escambia or Choctaw County, we can help. Ryan Legal Services Inc Tel: 251-431-6012 (24/7 Bankruptcy Helpline. Call or text)
Q. is a spouse liable for a mtg she's not on if spouse passes?
A: If you are married and your deceased spouse is the only party who signed as the borrower under a debt, including a mortgage, then you as the non-borrower are not personally liable. A secured lender, however, retains its rights which were granted by the deceased spouse pre-death, and can sell the property at foreclosure sale if the mortgage payments fall behind. If the debt is an unsecured debt, an unsecured creditor has only a claim against the estate of the deceased spouse, and only if the estate has to be filed to transfer assets. Not all assets have to pass through probate, particularly jointly owned assets... they pass to the joint owner immediately upon death of the other owner. That is part of what is referred to when lawyers mention "estate planning." Estate planning is a process of setting up ownership of assets to preserve the assets for the next generation or surviving spouse by protecting the assets from excessive taxation and creditor claim(s).
Q. Can you please explain this to me. So if I know where an abandoned house is. Do I need to file paper work and
A: Just because the house appears to be "abandoned" does not mean that there is not a legal owner. It may be owned by a bank, and in the process of foreclosure, probate or bankruptcy. You would need to contact the owner or the owner's legal representative in order to make an offer to purchase the property. You should not move forward on this type of transaction without any attorney.
Q. My mother and I purchased property in Alabama with 5 mobile homes on it. How can we protect property if mom files chap7
A: The only way to protect your interest in the property from your mother's creditors or your own is to transfer it to a legal entity such as an LLC or an irrevocable Trust. The transfer to the Trust or LLC is still an asset in a subsequently filed bankruptcy for two (2) years after the transfer, if a Chapter 7 case is filed. In addition, the state's fraudulent transfers statute may extend that time period out for up to as much as four (4) years, and possibly more ( each state can set its own time perameters). If the property is transferred to an LLC, the members of the LLC will still have some personal liability to personal creditors as far as the property, and that also varies from state to state. Some states provide more insulation from creditors under their LLC statute than others. The bottom line is to consult an experienced bankruptcy attorney who can review your own particular, unique set of facts, and advise you on what the best options are.
Q. Statue of limitations on property left behind after forced eviction from foreclosure. When is it considered abandonment
A: Go to the county revenue commissioner website and look up the owner of the property. The tax record should have a mailing address. You can send a letter to the owner to request that they clean up the property and if they do not act within a reasonable time, contact the Mayor's office in the city where you reside.
Q. Need to know how to handle a collection agency.
A: The Debt is most likely barred by Alabama's statute of limitations . Please see this article published by Attorney Brent Yarborough :
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Contact & Map
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