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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.


BJCTA finance director pleaded guilty to filing false tax returns, wire fraud in 2015

Smith was sentenced to prison for five years and a month after pleading guilty to identity theft, false tax return, and wire fraud. According to Collins' sentencing memorandum, he was born in Riversid...

Published:  Fri, 16 Nov 2018 04:35:00 GMT

4 Tuscaloosa County companies getting tax breaks for capital projects

The Tuscaloosa County Industrial Development Authority on Thursday approved tax abatements for four companies that plan ... There are a lot of counties in America - not only Alabama - that would like ...

Published:  Thu, 15 Nov 2018 18:01:00 GMT

Madison City Council pushes forward property tax proposal; some locals say it isn't enough

MADISON, AL (WAFF) - Tuesday, the Madison City Council took the next step in implementing a 12 mil property tax increase for school funding. The council unanimously approved a motion that will ask the ...

Published:  Tue, 13 Nov 2018 21:08:00 GMT

Oakman council approves sales tax increase

The Oakman Town Council approved a 1-cent sales tax increase Thursday night to serve as an additional revenue stream to address needs in the community.Except for Oakman council member a OAKMAN - The O...

Published:  Fri, 16 Nov 2018 22:26:00 GMT

Former Egypt forward Aboutrika handed jail sentence for tax evasion

the state-run al-Ahram newspaper reported. The court found Aboutrika guilty of evading taxes on earnings of 710,000 Egyptian pounds ($40,000) for doing advertisements for a soft drinks and a ...

Published:  Tue, 13 Nov 2018 09:01:00 GMT

Federal Tax Authority Calls on Retailers to Verify Used Cars Were Subject to Vat Before Applying Profit Margin Scheme

The session was organised by the Federal Tax Authority in collaboration with the Dubai Municipality and Al Aweer Auto Market in Dubai. In a press statement the Authority issued today, FTA Director Gen...

Published:  Tue, 06 Nov 2018 23:35:00 GMT

Solar farm proposed in Wiregrass would be Alabama's largest

An energy project proposed for southeast Alabama could become the state's largest solar farm. The Dothan Eagle reports that Houston County commissioners have approved a 10-year property tax abatement ...

Published:  Sat, 17 Nov 2018 11:13:00 GMT

Another Tax Plans Fails in Bid to Expand Crowded UP Jail

The Daily Mining Gazette reports that voters for a third time have rejected a property tax to add more beds at the Houghton County ... County Board Chairman Board Chairman Al Koskela says, "I guess we ...

Published:  Wed, 07 Nov 2018 16:51:00 GMT

Highway Robbery: Why Californians Shouldn't Trust the Federal Gas Tax

3 (higher gas tax) would probably be extremely unpopular; the last time the tax was increased was in 1993, when Al Gore cast the tie-breaking vote in the Senate. But we shouldn't discount the possibil...

Published:  Tue, 06 Nov 2018 06:30:00 GMT

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