Alabama

Alabama is home to the gulf shore to the foothills of the Appalachians. Forestry and agriculture were the backbone of the state’s economy, but recent years have seen increases in aerospace, healthcare, banking, and automobile manufacturing. Alabama is ranked #24 for population and #27 for population density.

As of 2018, over 10 million people called Alabama home. Birmingham is the largest city in the Alabama.

Income

The median state income is $46,257. As of 2018, the minimum wage is $7.25 per hour. Unfortunately, 24.3% of Alabamian children under 18 live in poverty. For residents overall, 17.1% of all people in Alabama live under the poverty level.

  • Median state income: $46,257
  • Minimum wage: $7.25/hour
  • Children in poverty: 24.3%
  • People in poverty: 17.1%

Is Alabama a Community Property State?

Unfortunately, Alabama is not a community property state. Therefore your assets are not seen as equally owned by you and your spouse. Currently, there are only 10 states that are community property states. In the state of Alabama, the judge will decide which assets are shared by you and your spouse, and what the equity is for each.

There are 10 community property states in which the state sees your assets as community property are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Homeowners


More than half (70%) of Alabamians hold a mortgage. The median home price in Alabama is $126,800 (2018). Of course, that median price depends on the location with some areas being much higher.

  • Homeowner rate: 70%
  • Median home price: $126,800

Employment

Alabama’s current unemployment rate is 3.8%. However, the underemployment rate is 10.4%. Underemployment is the percentage of civilian workers who are unemployed, employed part-time or are not seeking employment.

If this is you, we can help. Pacific Debt offers Alabama debt relief solutions tailored to your unique situation and budget. Our certified counselors help you work up a budget, and explain your options.

  • Unemployment: 3.8% (2018)
  • Underemployment: 10.4% (2017)

Alabama Debt

Alabamians carry a lot of debt. The average credit card debt is $7,105 (2018). The average student loan debt is $31,257. When you add all that debt on top of the cost of homes (rental or owned), versus the median income, it is very easy for Alabamians to get into debt.

  • Avg credit card debt: $7,105 (2018)
  • Avg mortgage debt: $140,963 (2017)
  • Avg student loan debt: $31,257 (2017)

Alabama Statute of Limitations

Alabama’s statute of limitations lays out maximum time periods that debt collectors can take action against a delinquent debt. These statutes of limitations begin on the date that your debt goes delinquent.

For debts taken out in Alabama, the following are the statutes of limitations for different types of debt.

  • Oral agreements: 6 years
  • Written contracts: 6-10 years
  • Promissory notes: 6 years
  • Credit cards and other revolving loans: 3-6 years

Alabama Debt Relief & Debt Consolidation

If you have more debt than you can pay off, Pacific Debt can help you consolidate your debt and learn to live debt free. Since 2002, we’ve settled over $200 million in debt for thousands of clients. We are a nationally top ranked debt relief company located in San Diego.

We will help you work through our proven and comprehensive debt relief program. Your certified debt relief counselor will review all your options. If debt settlement is right for you, we move forward with our debt consolidation program and work to save you money. Pacific Debt can help with most unsecured debt like credit cards, personal loans, medical bills and repossessions.

It is not an easy process and it won’t happen overnight, but you can do it. Pacific Debt will be there every step of the way to help.

Debt Collection Laws

Alabamians are protected against unscrupulous debt collectors. The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive or harassing bill collection practices. In addition, the Alabama Fair Debt Collection Practices Act (AFDCPA) adds protections against more types of collectors and actions. If you are a victim of any of these actions, you may take legal action against them.

Overall, debt collectors can NOT:

  • Charges more than 10% interest
  • Garnish more than 25% of wages
  • Use/threaten physical force or criminal tactics to harm you, your property, or your reputation
  • Accusing you of committing a crime for not paying the debt
  • Make/threaten to make defamatory statements to someone else
  • Threaten arrest, to seize assets, or garnish wages, unless actually planning to take such action
  • Use obscene or profane language
  • Cause you to spend money you wouldn’t otherwise have spent (ie long-distance telephone calls)
  • Call you repeatedly or let your phone ring repeatedly
  • Call frequently
  • Contact your employer, except to verify employment or health insurance status, garnish wages or locate you
  • Reveal information about debt to anyone except your spouse or your parents if a minor.
  • Publicly publish your name for failing to pay
  • Send a postcard or letter with revealing information on the envelope
  • Claim to be someone other than a debt collector, including a governmental official
  • Use stationary that appears to be from a law firm
  • Charge you collection or attorney’s fees unless legally allowable
  • Threaten to report you to a credit reporting agency if they have no intention of doing so
  • Send a letter claiming to come from a claim, credit, audit, or legal department unless it actually is

Debt collectors must:

  • Disclose caller identification
  • May contact your family to locate you
  • Must serve you with notice of a lawsuit if suing you

Bankruptcy Court Information

Bankruptcy is a legal action that can erase most of your debt as well as your credit history. It is not an action to take lightly. If you do, you must follow the following steps in Alabama.

Persons filing for bankruptcy must:

  • Complete credit counseling within six months before filing for bankruptcy.
  • Complete a financial management instructional course after filing bankruptcy.
  • Complete a Bankruptcy Act Means Test to determine if you are eligible for a Chapter 7 or 13 bankruptcy
  • Itemize current income sources; major financial transactions; monthly living expenses; debts (secured and unsecured); and property (all assets and possessions, not just real estate).
  • Collect last 2 years of tax returns, deeds to real estate you own, car titles, and loan documents
  • File for bankruptcy
      • Chapter 7 bankruptcy fee is $306
      • Chapter 13 bankruptcy fee is $281
  • Meet with court assigned bankruptcy trustee
  • Attend a Meeting of Creditors
  • Confirm plan if filing for Chapter 13 bankruptcy

DISCLAIMER: We are not lawyers and are not giving legal advice. Before filing bankruptcy, talk to a lawyer in your state.

Alabama Better Business Bureau

Pacific Debt is an A+ rated business with the BBB. We have been accredited since 2010. We have received 4.87 out of five stars based on 40 customer reviews with the BBB.

Alabama Debt Relief Reviews

by Dee S.
I am currently in the first stage of…
I am currently in the first stage of the program and so far it has been a great experience. Everyone I have talked to has been very professional and empathetic to our situation. I can only hope that the rest of this process goes as well and I can be free of debt with no regrets.
by Customer
I have had a great experience so far
I have had a great experience so far. I would recommend this company to help take control of your finances.
by Rich H
New Begining
If you are thinking there is no end insight and seeing half of your monthly payments going in their bank while the only means for daily needs is another swipe digging the hole deeper. Do yourself a favor do your homework than call Pacific Debt. and listen to your wayout. They work with you so you can see an end and in good time so you realize the sooner you start you can count down to the new begining.

Alabama Cities Served by Pacific Debt

Abbeville
Adamsville
Addison
Akron
Alabaster
Albertville
Alexander City
Alexandria
Aliceville
Allgood
Altoona
Andalusia
Anderson
Anniston
Arab
Ardmore
Argo
Ariton
Arley
Ashford
Ashland
Ashville
Athens
Atmore
Attalla
Auburn
Autaugaville
Avon
Babbie
Baileyton
Banks
Bay Minette
Bayou La Batre
Bear Creek
Beatrice
Beaverton
Belk
Benton
Berry
Bessemer
Billingsley
Birmingham
Black
Blountsville
Blue Mountain
Blue Ridge
Blue Springs
Boaz
Boligee
Bon Air
Branchville
Brantley
Brent
Brewton
Bridgeport
Brighton
Brilliant
Brookside
Brookwood
Brundidge
Butler
Bynum
Cahaba Heights
Calera
Camden
Camp Hill
Carbon Hill
Cardiff
Carolina
Carrollton
Castleberry
Cedar Bluff
Center Point
Centre
Centreville
Chalkville
Chatom
Chelsea
Cherokee
Chickasaw
Childersburg
Citronelle
Clanton
Clay
Clayhatchee
Clayton
Cleveland
Clio
Coaling
Coffee Springs
Coffeeville
Coker
Collinsville
Colony
Columbia
Columbiana
Concord
Coosada
Cordova
Cottonwood
County Line
Courtland
Cowarts
Creola
Crossville
Cuba
Cullman
Dadeville
Daleville
Daphne
Dauphin Island
Daviston
Dayton
Deatsville
Decatur
Demopolis
Detroit
Dodge City
Dora
Dothan
Double Springs
Douglas
Dozier
Dutton
East Brewton
Eclectic
Edgewater
Edwardsville
Elba
Elberta
Eldridge
Elkmont
Elmore
Emelle
Enterprise
Epes
Ethelsville
Eufaula
Eunola
Eutaw
Eva
Evergreen
Excel
Fairfield
Fairhope
Fairview
Falkville
Faunsdale
Fayette
Five Points
Flomaton
Florala
Florence
Foley
Forestdale
Forkland
Fort Deposit
Fort Payne
Fort Rucker
Franklin
Frisco City
Fruithurst
Fulton
Fultondale
Fyffe
Gadsden
Gainesville
Gantt
Gantts Quarry
Garden City
Gardendale
Gaylesville
Geiger
Geneva
Georgiana
Geraldine
Gilbertown
Glen Allen
Glencoe
Glenwood
Goldville
Good Hope
Goodwater
Gordo
Gordon
Gordonville
Goshen
Grand Bay
Grant
Grayson Valley
Graysville
Greensboro
Greenville
Grimes
Grove Hill
Guin
Gulf Shores
Guntersville
Gurley
Gu-Win
Hackleburg
Haleburg
Haleyville
Hamilton
Hammondville
Hanceville
Harpersville
Hartford
Hartselle
Harvest
Hayden
Hayneville
Hazel Green
Headland
Heath
Heflin
Helena
Henagar
Highland Lake
Hillsboro
Hobson City
Hodges
Hokes Bluff
Holly Pond
Hollywood
Holt
Homewood
Hoover
Horn Hill
Hueytown
Huguley
Huntsville
Hurtsboro
Hytop
Ider
Indian Springs Village
Irondale
Jackson
Jacksons’ Gap
Jacksonville
Jasper
Jemison
Kansas
Kennedy
Killen
Kimberly
Kinsey
Kinston
Ladonia
La Fayette
Lake Purdy
Lakeview
Lake View
Lanett
Langston
Leeds
Leesburg
Leighton
Lester
Level Plains
Lexington
Libertyville
Lincoln
Linden
Lineville
Lipscomb
Lisman
Littleville
Livingston
Loachapoka
Lockhart
Locust Fork
Louisville
Lowndesboro
Loxley
Luverne
Lynn
McDonald Chapel
Macedonia
McIntosh
McKenzie
McMullen
Madison
Madrid
Malvern
Maplesville
Margaret
Marion
Maytown
Meadowbrook
Memphis
Mentone
Meridianville
Midfield
Midland City
Midway
Mignon
Millbrook
Millport
Millry
Minor
Mobile
Monroeville
Montevallo
Montgomery
Moody
Moores Mill
Mooresville
Morris
Mosses
Moulton
Moundville
Mountainboro
Mountain Brook
Mount Olive
Mount Vernon
Mulga
Munford
Muscle Shoals
Myrtlewood
Napier Field
Natural Bridge
Nauvoo
Nectar
Needham
Newbern
New Brockton
New Hope
New Market
New Site
Newton
Newville
North Bibb
North Courtland
North Johns
Northport
Notasulga
Oak Grove
Oak Hill
Oakman
Odenville
Ohatchee
Oneonta
Onycha
Opelika
Opp
Orange Beach
Orrville
Owens Cross Roads
Oxford
Ozark
Paint Rock
Parrish
Pelham
Pell City
Pennington
Petrey
Phenix City
Phil Campbell
Pickensville
Piedmont
Pike Road
Pinckard
Pine Apple
Pine Hill
Pine Ridge
Pinson
Pisgah
Pleasant Grove
Pleasant Groves
Point Clear
Pollard
Powell
Prattville
Priceville
Prichard
Providence
Ragland
Rainbow City
Rainsville
Ranburne
Red Bay
Red Level
Redstone Arsenal
Reece City
Reform
Rehobeth
Repton
Ridgeville
River Falls
Riverside
Riverview
Roanoke
Robertsdale
Rock Creek
Rockford
Rock Mills
Rogersville
Rosa
Russellville
Rutledge
St. Florian
Saks
Samson
Sand Rock
Sanford
Saraland
Sardis City
Satsuma
Scottsboro
Section
Selma
Selmont-West Selmont
Sheffield
Shiloh
Shorter
Silas
Silverhill
Sipsey
Skyline
Slocomb
Smiths
Smoke Rise
Snead
Somerville
Southside
South Vinemont
Spanish Fort
Springville
Steele
Stevenson
Sulligent
Sumiton
Summerdale
Susan Moore
Sweet Water
Sylacauga
Sylvania
Sylvan Springs
Talladega
Talladega Springs
Tallassee
Tarrant
Taylor
Theodore
Thomaston
Thomasville
Thorsby
Tillmans Corner
Town Creek
Toxey
Trafford
Triana
Trinity
Troy
Trussville
Tuscaloosa
Tuscumbia
Tuskegee
Underwood-Petersville
Union
Union Grove
Union Springs
Uniontown
Valley
Valley Head
Vance
Vernon
Vestavia Hills
Vina
Vincent
Vredenburgh
Wadley
Waldo
Walnut Grove
Warrior
Waterloo
Waverly
Weaver
Webb
Wedowee
West Blocton
West End-Cobb Town
West Jefferson
West Point
Wetumpka
White Hall
Wilsonville
Wilton
Winfield
Woodland
Woodville
Yellow Bluff
York

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