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Alabama Debt Relief
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Alabama Debt Relief


Alabama Credit Card Debt law allows only three years for a credit card company to sue the cardholder for non-payment of debt. The Statute of Limitations (SOL) begins from the last date the unmade payment was due. The state only allows the Defendant 14 days to respond to a summons. An answer should be filed as soon as possible by certified mail.

Judgment Enforcement

In Alabama, judgments are automatically converted to liens against the debtor’s real property, such as a home or plot of land. The lien lasts ten years. While the debtor may levy the property for payment, the expense in doing so is often prohibitive. For this reason, creditors are more likely to garnish accounts and wages. Alabama law limits the amount that can be garnished to 75% of the debtors disposable income.

Consumers should consider Debt Settlement as an option for paying the debt more quickly. When in a Debt Settlement program, interest is not charged. This helps to avoid bankruptcy, the last option available for managing debt. While the SOL on judgments in Alabama is 10 years, it can be extended by court order indefinitely. Interest on judgments can accrue at a rate of up to 12% annually.

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Alabama Debt Relief by County
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Bibb County Debt Relief Escambia County Debt Relief Mobile County Debt Relief
Blount County Debt Relief Etowah County Debt Relief Monroe County Debt Relief
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Calhoun County Debt Relief Geneva County Debt Relief Perry County Debt Relief
Chambers County Debt Relief Greene County Debt Relief Pickens County Debt Relief
Cherokee County Debt Relief Hale County Debt Relief Pike County Debt Relief
Chilton County Debt Relief Henry County Debt Relief Randolph County Debt Relief
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Clarke County Debt Relief Jackson County Debt Relief Saint Clair County Debt Relief
Clay County Debt Relief Jefferson County Debt Relief Shelby County Debt Relief
Cleburne County Debt Relief Lamar County Debt Relief Sumter County Debt Relief
Coffee County Debt Relief Lauderdale County Debt Relief Talladega County Debt Relief
Colbert County Debt Relief Lawrence County Debt Relief Tallapoosa County Debt Relief
Conecuh County Debt Relief Lee County Debt Relief Tuscaloosa County Debt Relief
Coosa County Debt Relief Limestone County Debt Relief Walker County Debt Relief
Covington County Debt Relief Lowndes County Debt Relief Washington County Debt Relief
Crenshaw County Debt Relief Macon County Debt Relief Wilcox County Debt Relief
Cullman County Debt Relief Madison County Debt Relief Winston County Debt Relief
Dale County Debt Relief