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Debt Collection

Self Help Legal 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

    By:
    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

    By:
    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

    By:
    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

    By:
    Legal Services Alabama
  • Answer to Complaint

    PS-19: Do NOT use this form for Evictions OR Divorces. If you are being sued, a Plaintiff listed you in the Complaint. If you disagree with the Plaintiff's claims, you MUST fill out and deliver this Answer by the deadline. You must also tell the court how you want to handle the case. Please read the form for more information. Read More

    By:
    Alabama State Bar
  • 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

    By:
    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

    By:
    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

    By:
    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

    By:
    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

    By:
    Legal Services Alabama
  • Alabama Debtor Exemption Laws

    An explanation of debtor exemptions that can be claimed. Read More

    By:
    Legal Services Alabama
  • What You Should Know About Debt Collection

    This fact sheet provides a summary of your rights when dealing with debt collectors and some guidelines for determining what debts should be given priority in a financial crisis. Even when you do not have the money to pay your bills, you do not have to be subjected to collector pressure tactics. Read More

    By:
    National Consumer Law Center