Know your rights and learn what you can do to help yourself
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Related Information
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
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
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.
By: Legal Services Alabama
Dealing with Debt Collection Harrassment
(Separate Website)
If you are being harrassed by debt collectors, you should consider taking one or more of the eight steps in this brochure.
(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
Related Information
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
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
Co-signing a Loan - Facts for Consumers
(Separate Website)
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.
By: U.S. Federal Trade Commission
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
Garnishment
Wage Garnishments
This fact sheet explains when someone can garnish your paycheck. It also explains what you can do to stop the garnishment.
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
Protect Your Social Security and SSI
Creditors and other people with a judgment against you will often have the Sheriff serve papers on your bank. The papers tell the bank to use your account to pay the judgment. Answer five important questions in this document to see if you can protect your money.
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
Loans
General Information
Avoiding Advance-Fee Loan Scams
Has a lender guaranteed you will get a loan or credit card? Has a lender said it does not matter if you have bad credit or no credit? Read this document for more information about this.
By: Legal Services Alabama
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
Buying a Used Car – Facts for Consumers
(Separate Website)
Before you start shopping for a car, do some homework. This site covers payment options, dealer sales, warranties, service contracts, private sales, and more. Read this in: Español By: U.S. Federal Trade Commission
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
Co-signing a Loan - Facts for Consumers
(Separate Website)
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.
By: U.S. Federal Trade Commission
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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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