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Debt Consolidation in Alabama

Alabama MapAlabama has the nationís third highest poverty rate in the nation, which unfortunately makes it prime real estate for predatory lenders. Consumers already struggling to get out of debt may find themselves being lured into predatory practices that can actually make their financial situation worse, not better.

Consumers who are struggling financially have rights, and there are several legitimate programs designed to help them consolidate debt.

Under the Fair Debt Collection Practices Act, debt collectors are required to treat consumers fairly and are prohibited from engaging in certain practices in an attempt to recover money owed to creditors. The law prevents credit collection agencies from harassing consumers by requiring them to call only during set hours of the day, and never are they permitted to contact a consumer at their place of employment. Consumers also have the right to put a request in writing for the collection agency to stop calling them about the debt, which the agency must honor.

In Alabama, consumers who are struggling with debt can chose debt consolidation as an alternative to bankruptcy. Working with a reputable credit counseling service can help consumers to consolidate their debt into a monthly payment they can afford. Consumers who do not qualify for debt consolidation can consider bankruptcy; however, it is generally considered as a last resort. According to Alabama bankruptcy law, there are exemptions for consumers who choose this route. A complete listing of bankruptcy resources is available from the Alabama Middle Bankruptcy Court, the Alabama Northern Bankruptcy Court and the Alabama Southern Bankruptcy Court.

 

Alabama's online sales tax brought in additional $12 million during holidays

An increase in online sales tax collections paid off for Alabama during the busy holiday shopping period. Remote retailers brought in $12 million more in new tax revenue to the state during the 2018 h...

Published:  Wed, 13 Feb 2019 05:56:00 GMT



Gas tax increase could affect local businesses

HUNTSVILLE, Ala. - The state of Alabama gas tax hasn't had been raised in over 20 years, but an increase is expected to be proposed when the legislative session begins in March. Alabama lawmakers ...

Published:  Thu, 14 Feb 2019 18:37:00 GMT



Alabama Voices: Politics and the economics of the carbon tax

A carbon tax involves some good economics and is probably the best way to address global warming. And yet I think that adopting the tax represents bad policy. My reservations involve the politics of p...

Published:  Thu, 14 Feb 2019 08:34:00 GMT



How slavery's lingering stain on the US Constitution spoils Elizabeth Warren's wealth tax proposal - for now

So if a tax costs Alabama $1,000 per person, the impact on Minnesota and California must be the same. It doesn't matter who actually pays the tax, so long as the per capita cost for each citizen ...

Published:  Thu, 14 Feb 2019 09:20:00 GMT



Morgan County commissioners unanimously support Alabama gas tax increase

MORGAN COUNTY, AL (WAFF) - It doesn't seem to matter where you live in the Tennessee Valley, lawmakers have the same concern when it comes to infrastructure. The Morgan County Commission unanimously a...

Published:  Tue, 12 Feb 2019 16:24:00 GMT



Leftist Tax Schemes Bash the Rich, but Depend on Their Success

They claim the increased tax rates and new spending will not have ... that allows billionaires to exist when there are parts of Alabama where people are still getting ringworm because they don ...

Published:  Thu, 14 Feb 2019 21:14:00 GMT



Hot Blast: The gas-tax increase and conservative policy in Alabama

With the opening of the 2019 session of the Alabama Legislature drawing near, the Alabama Policy Institute, one of the state's conservative think-tanks, has published a position paper on a main topic ...

Published:  Wed, 13 Feb 2019 08:13:00 GMT



Looking at Alabama's Historic Tax Credit program after first year of relaunch

A revamped Alabama Historic Tax Credit program helped numerous projects across the state get started in 2018. Last year was the first full year for the program since it was re-established in 2017. A p...

Published:  Mon, 11 Feb 2019 07:29:00 GMT



Alabama Department of Revenue Partners with IDEMIA Advance Identity Protection Program to Fight State Income Tax Theft

The state of Alabama's taxation agency and a maker of identity theft prevention technology have partnered to help prevent fraud. IDEMIA, which makes Augmented Identity technology, and the Alabama Depa...

Published:  Thu, 14 Feb 2019 16:49:00 GMT



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