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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.

 

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 AL.com'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



They finally got Al Capone for tax evasion. But what about plagiarism

Al Capone may be remembered as a notorious gangster, but he had other interests besides breaking the law. He had a lifelong love of music. He strummed the tenor banjo and mandola when he was in prison, learned to play a number of songs, and even played in ...

Published:  Tue, 15 May 2018 08:59:19 GMT



UAE Federal Tax Authority Launches Digital Tax Stamp System to Verify Payment of Excise Tax on Tobacco Products

The stamps contain tax-related data that can be read using special devices. "The Authority has made great progress in implementing the new system with based on best international standards," H.E. Al Bustani noted. "The system will include integrated ...

Published:  Sun, 06 May 2018 22:58:00 GMT



Are sales taxes outdated for Alabama's future economy

Presidential tweets and a Supreme Court case have reignited the question of taxing internet sales. The Court in April heard arguments in South Dakota v. Wayfair regarding whether a retailer must have physical presence in a state to have to remit sales taxes.

Published:  Thu, 17 May 2018 09:36:00 GMT



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