Ronald Ryan, P.C.

<b>Ronald Ryan, P.C.</b>

Tucson Bankruptcy Attorney; Chapter 7 & 13; Mortgage Loan Modification; Student Loans; Debt Relief in Arizona. A+ accredited rating by the Better Business Bureau. Call for a FREE mini-telephone consult and FREE initial office

Firm Overview

- A+ rating and accreditation by the Better Business Bureau
- Arizona State Bar Member
- National Association of Consumer Bankruptcy Attorneys Member
- Tucson Association of Consumer Bankruptcy Attorneys Member

With over 25 years of experience, I have been helping individuals and families with their legal matters in a wide variety of general legal cases, however my main focus is on consumer bankruptcy (Chapter 7 & Chapter 13) and debt relief.

I represent you...not creditors.

My focus is to give individual attention to each and every client. I also assist with general legal matters and occasionally take personal injury cases: Automobile Accidents, Wills Trusts and Estates, etc.

- Foreclosures
- Repossession of vehicles
- Harassing creditor calls
- IRS tax levies
- Lawsuits
- Wage garnishments
- Further interest and penalties on taxes
Main Office
1413 E. Hedrick Dr.
Tucson  AZ  85719
  • (520) 298-3333


Free Initial Consultation?
Free initial consultation
Services Offered For Fixed Fees?
Services are offered at competitive, fair pricing. Most work is done for a flat rate, and most of the payment for fees in individual reorganization cases is stretched out over the months of the Chapter 13 plan after the case is filed.
Hourly Rates
Normally not applicable, but hourly rates are also available.

Office Information

Office Hours
Evening and weekend appointments available
Emergency After Hours
I can help with Chapter 7, Chapter 13, Foreclosure, Repossession, Wage Garnishes, Tax Levies, and much more!
One of the reasons people file bankruptcy is to receive a "discharge." A discharge is a court order which states that you do not have to pay most of your debts. Some debts cannot be discharged. For example, you cannot discharge debts for:
- Taxes
- Child support
- Student loans
- Court fines
- Criminal restitution
- Personal injury caused by driving drunk or under the influence of drugs.


There are laws that allow you to consolidate your bills into one monthly payment you can afford and in many cases keep your home, personal possessions, automobiles and even cash. Creditors do not have to agree with your plan, but can be legally required to accept the terms.

Most of the attorney fees are paid to us from your consolidated monthly payment.

Whether to file a Chapter 7 or Chapter 13 bankruptcy depends on your particular circumstances. I will go over the pros and cons of each Chapter and give you a recommendation of which Chapter would be better for you to file, or whether not filing any Chapter would be better.

What can Chapter 13 do for you?
- Save your home
- Eliminate the second lien on your home
- Stop repossession on your car
- Stop future interest and penalties on taxes
Debt Settlement
Challenge unjust debt claims and obtain releases from claims.

How did your firm decide on the primary area of practice(s)?

I wanted to be in a position wherein I could deliver good news to my clients. I enjoy saving them money, or making money for them. I am grateful to be in a position to play a role in helping their life to be more enjoyable by adding something positive, or to reduce the negative by helping to provide relief from worry, stress and hassle. I enjoy the feeling that my clients leave my office feeling happier than they were when they arrived. I am in sympathy with the plight and quality of life of the regular, ordinary and simple person and family. It is not that I have anything against the rich and powerful. Quite the contrary. But I have a particular fondness for and would rather represent individual persons and families than corporations and wealthy creditors.

What experience or education distinguishes your lawyers from others

I have been a licensed attorney since 1986 and have over 27 years of experience helping thousands of individuals and family with their legal matters in a wide variety of general legal matters. Although I mainly focus on Bankruptcy and Debt Relief, I also take cases involving Personal Injury, such as automobile accidents, Wills Trusts and Estates, and other general matters. During the initial years of my practice, I also practiced domestic relations law, and even a little criminal defense. I know what it is like to work a job for an hourly wage and to try to make ends meet, because I have been in the same position. I try to make my clients feel they are important and that I care what they are going through. I am willing to litigate and appeal if necessary. I have at times written letters and made phone calls to our political representatives to argue for consumers, and have participated with the National Association of Consumer Bankruptcy Attorneys ("NACBA") lobby for subprime mortgage modification. I have been recognized by peers and interested parties for my research, writing, legal analysis and other work in challenging the enforceability of securitized mortgage loans made between 2001-2008.

What distinguishes your law firm from others?

Mission Statement - To serve my clients by providing the best legal services I can provide and to do so in a way that each individual and family receive individual and personal attention. I want to treat each person in such a way that they can feel they are the most important person in the world while being counseled by me. I intend to perform my duties within the highest ethical and professional standards. I want each client to think and feel that they received high quality legal services and counseling. When the opportunity permits, I aim to give each client more than they may reasonably have expected, without always seeking additional compensation.

Ronald Ryan

While being a native of California and graduating from Occidental College with a B.A. in Philosophy in 1981, I moved to Texas to study law at South Texas College of Law. Upon graduating in 1986 and receiving my license to practice in Texas, the Sunshine Factory state was silently calling me.

In 1998, I moved to Arizona and passed the Arizona Bar and began practicing the same year.

  • Bar Number: 018140
    Arizona , 1998
  • South Texas College of Law
    Juris Doctorate , 1986

* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.