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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.

 

130,000 veterans due tax refunds: Do you qualify for $1,750 payment

More than 130,000 veterans are eligible to apply for refunds of taxes they paid on disability severance pay dating back almost three decades, according to the IRS. The payments come after it was found ...

Published:  Wed, 18 Jul 2018 05:48:00 GMT



13th annual Alabama sales tax holiday set for July 20-22

Alabama's 13th annual sales tax holiday for school-related items begins at 12:01 a.m. Friday, July 20, 2018, and ends at midnight Sunday, July 22, 2018, giving shoppers the opportunity to purchase cer...

Published:  Tue, 17 Jul 2018 13:09:00 GMT



How much could you save during the tax-free weekend

The third weekend in July brings Alabama's 13th Annual Back-to-School Sales Tax Holiday to shoppers across the state, and with it, potentially huge savings. From Friday to Sunday, shoppers can enjoy a ...

Published:  Tue, 17 Jul 2018 12:25:00 GMT



Litter bugs wasting millions of Alabama tax dollars

Did you know, every time you litter on state highways, you're wasting state tax dollars This month, the Alabama Department of Transportation (ALDOT) is setting up a "Trash Costs Cash" campaign to edu...

Published:  Mon, 16 Jul 2018 15:49:00 GMT



Back to School Sales Tax Holiday takes place this weekend

More than 300 cities and counties throughout Alabama, including Auburn and Opelika, waive their local taxes as well. Jennifer Graham, owner of Fringe and Fringe Kids clothing consignment store in down...

Published:  Tue, 17 Jul 2018 05:00:00 GMT



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