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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.

 

Are online purchases included in Alabama's tax-free weekend

Alabama's annual back-to-school sales tax holiday is this weekend. But what does that mean in light of a recent Supreme Court ruling allowing sales tax on online purchases For some purchases, virtual...

Published:  Fri, 20 Jul 2018 18:08:00 GMT



Alabama's Back-To-School Tax Free Weekend Underway

MONTGOMERY, Ala. (AP) - Alabama's back-to-school state sales tax free weekend is underway and covers everything from clothes and shoes to computers and crayons. And that's not all. According to the Al...

Published:  Fri, 20 Jul 2018 12:23:00 GMT



Shoppers in Alabama scoring deals during tax free weekend

Alabama's tax-free weekend is back. All Chattahoochee Valley, East Alabama areas including Russell, Lee, Barbour and Chambers counties are getting in on the tax-free deals. Residents in Lee County say ...

Published:  Fri, 20 Jul 2018 14:20:00 GMT



New gas tax bill could raise funds for road improvements

We got roads out there damaged. Potholes and stuff like that," said Gary Allen. Association of County Commissions of Alabama says work is underway on another gas tax bill. The bill could resemble a bi...

Published:  Fri, 20 Jul 2018 13:45:00 GMT



Tariffs will hurt Alabama's growing automotive industry

Once the plant is complete, the combined investment in Alabama will represent $2.6 billion and more than ... Instead, the government recently announced it might impose a 25 percent tariff, or tax, on ...

Published:  Fri, 20 Jul 2018 10:00:00 GMT



Report cautions states against reliance on sin taxes

"Given the unpredictability of sin tax revenue, states should be cautious about extending what may be effective short-term fallbacks into long-term solutions." Alabama, which is one of only six states ...

Published:  Thu, 19 Jul 2018 17:10:00 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:  Tue, 17 Jul 2018 07:55:00 GMT



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