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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.


Hightower runs for governor on flat tax, term limits

establishing a flat tax income tax and ending budgetary earmarks. Legislators would have to approve the measures. Hightower is challenging Alabama Gov. Kay Ivey in the June 5 Republican primary along with evangelist Scott Dawson and Huntsville Mayor Tommy ...

Published:  Tue, 22 May 2018 06:20:00 GMT

More states are creating tax-advantaged savings accounts just for first-time home buyers

state legislatures are authorizing "first-time home buyer savings accounts," which come with varying tax advantages. Oregon and Alabama recently joined about a half-dozen other states that have passed bills creating these options in recent years.

Published:  Sun, 20 May 2018 08:02:00 GMT

Irondale mulls occupational tax to fix budget deficit

The measure failed in a special election on April 10. The Irondale City Council can adopt an occupational tax themselves. Council President Steve Marino referred's questions on the proposed tax to Moore and Councilman David Spivey who sponsored the ...

Published:  Fri, 18 May 2018 13:28:00 GMT

Alabama Introduces New Sales Tax Bond Requirements for Retailers

A new law was recently passed in Alabama that amends the requirements for retailers in the state. House Bill 151, which was signed into law on March 27, 2018, introduces a sales tax bond criterion for retailers applying for an initial sales tax license and ...

Published:  Fri, 18 May 2018 22:36:00 GMT

As governments seek to improve budgets, could property tax increases be an option

Something's got to be done." While governments have a few options to generate more funding, one that could be discussed is Alabama's low property taxes. According to a USA Today report in April 2017, the state ranked 49 th in "effective tax rate ...

Published:  Sat, 19 May 2018 14:00:00 GMT

An Alabama Girl Had to Fight Her School to Wear a Tuxedo to Prom

And they're counting on students and their families not to fight for their rights. The "Fat Tax" Is Everywhere, From Retail to the Nail Salon Clothing stores and salons keep charging plus-size customers more. The Huge Impact of Donated Bras Be a Dear ...

Published:  Tue, 22 May 2018 06:11:00 GMT

Head tax spending plan still in flux

Former Vice President Al Gore was the headliner, joined by Microsoft President Brad Smith. It was a day marked for talk about carbon taxes, not head taxes -- but out in the hallway, State Senator Reuven Carlyle wanted to discuss the business climate change ...

Published:  Thu, 17 May 2018 20:25:00 GMT

Chatham proposes flat tax rate, 2018-2019 fiscal year budget

Chairman Al Scott noted the costs would eat up most of an anticipated increase in the tax digest, which is projected to grow about $5.2 million to more than $170 million. Those costs include start-up expenses, however, Scott said. "That won't be every year ...

Published:  Fri, 18 May 2018 15:34:00 GMT

North Carolina beefs up tax breaks as Apple scouts new sites

The state lost out to Alabama in January for a new joint Toyota and Mazda plant despite offering more than $1.5 billion in tax breaks and other incentives, including the acreage to build. Moore said the legislation comes out of what the state has learned ...

Published:  Thu, 17 May 2018 16:21:00 GMT

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