Alabama Debt Settlement.

If you have had enough with your credit cards, medical bills, or collection accounts, Call to speak with one of our representatives: 
(866) 910-9081

We specialize in:

• Unsecured credit card debt
• Medical bills
• Department store accounts
• Furniture loan payments
• Signature loans
• Overdraft agreements
• Collection accounts
• Balances owed on repossessions
• Old utility bills

Important  Alabama Debt Settlement and Debt Consolidation Laws.

(Note: This is only to be used as an informational debt resource for residence of Alabama and should not be considered and does not constitute legal advice.  If you are looking for legal advice contact a licensed attorney in Alabama)

Debt Collection

Alabama (AL) works in accordance with the federal laws in dealing with collection agencies and or law firms that collect debts.  These laws are known as the Fair Debt Collection Practices Act (FDCPA).  More information about the FDCPA can be found here. If you think that creditors are illegally harassing you, you are legally allowed to tape record the conversation with out getting the permission of the debt collector.
If you are being harassed contact the Consumer Affairs Division

Consumer Affairs Division
Office of Attorney General
Alabama State House
11 South Union Street
Third Floor
Montgomery, AL 36130
               (334) 242-7300        
               (800) 392-5658        
http://www.ago.state.al.us

The maximum charge a collection agency can charge in Alabama is and 6% interest rate.(unless otherwise noted in contract

Statue of Limitations.

The Statute of limitations is the amount of time by law for a set period of time after a certain event, that legal proceedings can happen based on that event can be initiated.  With debt, the statues of limitation apply to the time period after you have become past due on your payments.  In other words.  You are not considered delinquent based on your last payment, but rather the day that you went past due.

Oral Agreements are 6 years
Written Contracts are 6 years
Promissory Notes are 6 years
Open Accounts (credit cards) are 3 years

Bankruptcy Courts

Frank M. Johnson, Jr.
Federal Courthouse Annex
Suite B-110
One Church Street
Montgomery, AL 36104
(Serving Autauga, Barbour, Bullock, Butler, Chilton, Coosa, Covington, Crenshaw, Elmore, Lowndes, Montgomery, and Pike counties.)

George W. Andrews Federal Building
701 Avenue A
Opelika, Alabama 36801
(Serving Chambers, Lee, Macon, Randolph, Russell, and Tallapoosa counties)

Federal Building and United States Courthouse
100 W. Troy Street
Dothan, AL 36303
(Serving Coffee, Dale, Geneva, Henry, and Houston counties)

When dealing your old debt, it's vital to know your limits. It could be the difference between thousands of dollars in old debt or hundreds.

Once a debt passes beyond the statute of limitation in your state, a debt collection agency no longer has the right to sue you for payment.

Any debt collection agency who threatens to sue you over a debt that is beyond the statute of limitation in your state is in violation of the Fair Debt Collection Practices Act.

If you need help with a delinquent debt, visit the Web site of the National Association of Consumer Advocates or call us toll free 1-866-910-8091.
Contact your AL. state attorney general,

	Troy King (R)	(334) 242-7300
State House, 11 S. Union St. Montgomery, AL 36130 http://www.ago.state.al.us