Debt Collection

Self Help Legal Information > Related Information

• Debt Collection

  What can I do if I don't have enough money to pay all I owe? What can the creditor do if I cannot pay? What if my bill is turned over to a debt collector? Answers to these questions and more are in this document. Read More

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  Legal Services Alabama

• Fair Debt Collection Practices

  If you use credit cards, owe money on a personal loan or are paying on a home mortgage, you are a "debtor." If you fall behind in making payments, a "debt collector" may call or write to you. Federal law says debt collectors must treat you fairly. This document explains how you are protected by the Fair Debt Collection Practices Act. Read More

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  Legal Services Alabama

• Dealing with Debt Collection Harrassment

  If you are being harrassed by debt collectors, you should consider taking one or more of the eight steps in this brochure. Also in Spanish/Español (You must have a PDF reader on your computer to open this document. To get Adobe’s PDF Reader, click on the Get Adobe Reader icon to download.) Read More

  By:

  National Consumer Law Center

• Repossessions

  If you bought something on credit or put up something you own as collateral, the creditor may have the right to repossess it. Cars are often repossessed. We use a car as an example for repossessions and answer questions about what you can do. Read More

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  Legal Services Alabama

• Wage Garnishments

  This fact sheet explains when someone can garnish your paycheck. It also explains what you can do to stop the garnishment. Read More

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  Legal Services Alabama

• Dangers of Co-Signing a Loan

  Should I co-sign a loan? What happens when I co-sign? If I decide to co-sign despite the risks, what should I do? This document answers these questions. Read More

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  Legal Services Alabama

• Executions

  If you owe money to a person or business and cannot pay, they will try to collect. If a creditor sues you and gets a court judgment, the creditor may have the right to execute against your property. This document explains how a creditor does this and what you can do to protect your property. Read More

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  Legal Services Alabama

• Co-signing a Loan - Facts for Consumers

  What would you do if a friend or relative asked you to cosign a loan? Before you answer, make sure you understand what cosigning involves. Under federal law, creditors are required to give you a notice that explains your obligations. This site includes that notice and other information. Content Detail

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  U.S. Federal Trade Commission

• Don't Miss Out!!! Take Advantage of All the Benefits Available to You

  Should you be getting child support? Do you qualify for food stamps? Can your children get free or low-cost health insurance? Can you get a lower telephone bill? Do you need help filing your income taxes? Read this for information about 10 often-overlooked benefits available to many low-income people. Read More

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  Legal Services Alabama

• Save Those Papers!

  In order to protect your rights, you may need to use papers others have given you. This fact sheet tells you what papers you should save. Read More

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  Legal Services Alabama