How to Find Debt Relief in Alabama

Crimson Tide football is the biggest event in the state of Alabama.

Today, the state of Alabama is maybe best known for its legendary college football and athletics programs, but its past was sadly more aligned with slavery and a sometimes violent objection to the Civil Rights movement.

The first capital of the Confederacy was located in Montgomery and nearly 150,000 Alabama men fought for the Confederacy in the Civil War. Segregation still prevailed even after the South lost the war. As the fight for equality continued, it was in 1955 when Rosa Parks famously refused to vacate her seat on a public bus and move to the back.

Tragically, Alabama was also the state where Dr. Martin Luther King Jr. was assassinated in 1965 after leading thousands of activists in a peace march from Selma to Montgomery. It wasn’t until 1972 that people of all colors were given the right to vote.

One of Alabama’s economic stars is rocket science as the U.S. Space & Rocket Center sits in Huntsville.

The Overall Debt Situation in Alabama

Alabama is the 29th state in average credit card debt at $7,105 per household. It’s surprising that number isn’t higher as the average credit score for Alabama citizens is 15 points below the national average.

Perhaps some of the state’s high student loan debt is attributed to the fact that two powerhouse Southeastern Conference universities are located in Alabama. The University of Alabama Crimson Tide is located in Tuscaloosa while their Iron Bowl rivals the Auburn Tigers located in their namesake city.

Alabama Debt Fast Facts

  • Population: 4.9 million
  • Median Household Income: $49,861
  • Average Credit Score: 654 (the national average is 669)
  • Average Credit Card Debt: $7,105
  • Average Student Loan Debt: $35,097
  • State Debt Total: $20.7 billion

Debt Relief Laws That Protect Alabama Residents

Disclaimer: The information shared herein is intended to be a free resource for Alabama consumers looking to dismiss debt and does not constitute legal advice.

Whether battling credit card debt, medical debt or private student loan debt, Alabama has long been known for passing debt resolution laws that aggressively protect its citizens.

If you are embroiled in a deepening debt situation in Alabama, Resolvly can help find an expert team of seasoned debt resolution lawyers to get debt advice that might eliminate debt or at least dismiss debt as soon as possible.

The Fair Debt Collection Practices Act

There are many ways to find debt relief and fight harassing debt collectors and avoid or defend a debt lawsuit. In one case, every consumer has specific rights invoking the federal laws outlined in the Fair Debt Collection Practices Act (FDCPA).

The FDCPA as it relates to Alabama residents specifies how to eliminate debt by enforcing your consumer rights against harassing debt collectors. For example, a collector can only call an individual between the local hours of 8am and 9pm. In addition, collectors cannot harass individuals or threaten a citizen with bodily harm or the potential of arrest.

Alabama locals in debt also have the ability to stop collectors from repeat callings by sending a physical letter to the agency requesting a cease and desist from the pestering calls. If the FDCPA is violated, a debt resolution company can find you debt defense attorneys who can help you get out of debt and also seek damages and attorney fees.

The Fair Credit Reporting Act

Another consumer protection law designed to assist Alabama residents from false or misleading credit information is the Fair Credit Reporting Act (FCRA) which can protect consumers against credit card debt becoming a lawsuit. The FCRA protects the privacy and accuracy of your personal credit history. If an entity violates your rights outlined in the FCRA, there are legal actions that could not only dismiss debt, but earn monetary damages in addition to the recoupment of attorneys’ fees.

There are other debt collection acts unique to the state of Alabama that a debt resolution attorney can use to defend you in case of a debt lawsuit.

Let Resolvly Find The Right Debt Relief Lawyer

When it comes to dealing with debt – whether medical debt or credit card debt – ignoring the problem won’t make it go away. Utilizing the legal referral service of Resolvly, can help you hire a lawyer to get out of debt by helping you understand your specific circumstances, and clear the path to debt relief and debt resolution.

We work with consumer protection lawyers trained in debt relief to protect your rights, fight harassing debt collectors and hopefully eliminate debt completely.

Resolvly helps you hire a lawyer to help dismiss debt so that you can live debt free. Our goal is to help you attain true financial freedom and debt resolution. We offer a free consultation designed to refer you to a consumer defense attorney who will work to eliminate your debt. Simply call 866-955-5047 to speak with a debt freedom specialist who will help guide you on the path toward debt resolution so you can once again be debt free.

Referral Form
CONTACT US!
  • This field is for validation purposes and should be left unchanged.