You question doesn't make a lot of sense. I think you are trying to ask a usury question meaning does your state stop excessive interest and I don't know the answer as I am not licensed in Alabama. If you have a $65 bill how are you being charged $1000. Is is in default? Did it go to collections etc? Or do you really owe $1000 and you are on a budget plan to repay the $1000? These are the relevant questions that must be answered for an Alabama attorney to likely assess what you want answered.
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