Unfortunately, there is no usury law in the state of Alabama. Under the Uniform Commercial Code, all a lender has to do with regard to a...

10 years ago my paycheck from my employer bounced. I found out today. Am I responsible for this debt that is on my credit?

I am not sure of the connection with your paycheck that bounced from your employer and a debt that is showing up on your credit report. Speaking...

I have a collateral loan and some of the items I used have since stopped working. Can I be charged with theft by deception?

You would be well-served by at least discussing your situation with a bankruptcy lawyer to know all of your options. Most lawyers in this area or...

Can a collection agency come after my husband if something is totally in my name?

If your husband never signed the contract to get the credit card, then the creditor cannot pursue him. When you say "credit agency," I assume you...

Is there a time frame for a debt collector to serve you after a claim has been filed against you for a debt on a repossessed car

You really should retain a consumer lawyer to help you on this. The statute of limitations is somewhat complicated and must be plead as an...

Does a 10 year statute of limitations restart if a judgment is recovered?

Please see my publications section at my Avvo profile for a detailed blog post regarding judgments and judicial liens in Alabama. Judicial liens...

IF I FILE CHAPTER 7 WILL A LEVY BY A CREDITOR BE REMOVED FROM MY BANK ACCOUNT AND HOW LONG SHOULD IT TAKE?

Please contact your bankruptcy lawyer immediately and ask him or her to file a suggestion of bankrupcty and motion to release the garnishment in...

Will a chapter 7 bankruptcy in 2005 keep me from getting a job at a store such as Wal-mart?

Under the Fair Credit Reporting Act (FCRA), a bankruptcy filing can stay on a person's credit report for a period of 10 years from the date of...

The short answer is, unfortunately, yes. In Alabama, if a judgment is entered against you, the creditor who got the judgment can do several things...

I signed a lease for my non profit business we were forced to close my personal pay check is being garnished can they do that?

In Alabama, the only way a creditor can garnish your wages is to sue you in the first place and win in court. Please see my publications section...