Know your rights and learn what you can do to help yourself
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Bankruptcy
General Information
Bankruptcy
When can filing bankruptcy help me? What kinds of bankruptcy are there? If I file bankruptcy once, can I file again? Can I buy anything after filing bankruptcy? Read this document for answers to these and many more questions.
By: Legal Services Alabama
Don't Get Locked Out of Your Home By a Bankruptcy Scam Operator
(Separate Website)
Are you having trouble making your home mortgage payments? Are you facing foreclosure on your home? Get all the facts before you pay someone to help you work out your mortgage problems.
By: US Bankruptcy Trustee Program
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.
By: Legal Services Alabama
Repossessions, Garnishments and Executions
If you owe money to a person or business and cannot pay, they will try to collect. If you bought something on credit, the creditor may have the right to repossess it. If the creditor sues you and gets a court judgment, the creditor may have the right to garnish your wages or execute against your property. This document explains when a creditor can do these things and what you can do to protect your property.
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.
By: Legal Services Alabama
Cars
General Information
Buying a Used Car
Buying a used car can be confusing and difficult. A quick look may tell you a car is in bad condition, but you can't always tell just by looking. Some dealers hide things from you. Others mislead you. Here are some answers to questions you may have about buying a used car.
By: Legal Services Alabama
Credit Insurance: Is It for You?
The next time you apply for a loan, the lender may ask if you want to buy credit insurance. The lender may even include it in your loan papers. Before you buy it, think about what you are paying - and what you are getting. Read this document for more information.
By: Legal Services Alabama
My New Car is a Lemon
Alabama law gives rights to people who buy defective new cars. This article talks about those rights. To learn about rights buyers of used cars have, see Buying a Used Car.
By: Legal Services Alabama
What to Do After an Automobile Accident
When do I have to report an accident? How do I report? How do I get a copy of the accident report? Who else do I have to call? What happens if the accident was my fault? This document answers these questions and more.
By: Legal Services Alabama
Title Pawns
What are Title Pawns? Who uses Title Pawns? Why shouldn't I make a Title Pawn? Answers to these questions and more are in this document.
By: Legal Services Alabama
Related Information
Borrower Beware: The High Cost of Small Loans, Pawnbrokers and Rent-To-Own Stores
(Separate Website)
This brochure describes the high cost of different kinds of small loans - payday loans, pawning your car's title, and renting-to-own a TV, stereo, furniture or appliances.
(You must have Adobe Acrobat Reader on your computer to open this page of their website. Scroll down to the bottom of the page and click on the Get Acrobat Reader icon to download.)
By: National Consumer Law Center
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.
By: Legal Services Alabama
Contracts and Warranties
Borrower Beware: The High Cost of Small Loans, Pawnbrokers and Rent-To-Own Stores
(Separate Website)
This brochure describes the high cost of different kinds of small loans - payday loans, pawning your car's title, and renting-to-own a TV, stereo, furniture or appliances.
(You must have Adobe Acrobat Reader on your computer to open this page of their website. Scroll down to the bottom of the page and click on the Get Acrobat Reader icon to download.)
By: National Consumer Law Center
Buying a Used Car
Buying a used car can be confusing and difficult. A quick look may tell you a car is in bad condition, but you can't always tell just by looking. Some dealers hide things from you. Others mislead you. Here are some answers to questions you may have about buying a used car.
By: 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.
By: Legal Services Alabama
Filing a Consumer Complaint in Alabama
(Separate Website)
This website includes tips on how to resolve a complaint. Also has instructions on how to file a complaint by writing a letter or filling out a form online. Includes Alabama's Consumer Hotline telephone numbers.
By: Alabama Attorney General's Office
My New Car is a Lemon
Alabama law gives rights to people who buy defective new cars. This article talks about those rights. To learn about rights buyers of used cars have, see Buying a Used Car.
By: Legal Services Alabama
Repossessions, Garnishments and Executions
If you owe money to a person or business and cannot pay, they will try to collect. If you bought something on credit, the creditor may have the right to repossess it. If the creditor sues you and gets a court judgment, the creditor may have the right to garnish your wages or execute against your property. This document explains when a creditor can do these things and what you can do to protect your property.
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.
By: Legal Services Alabama
Debt Collection
General 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.
By: Legal Services Alabama
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AlabamaLegalHelp.org is a project of Legal Services Alabama and the Legal Services Corporation. It is produced in cooperation with Pro Bono Net and legal services organizations, community organizations and government agencies throughout Alabama and the United States.
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