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DebtShield

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AL Debt Laws

Alabama Debt Collection Laws

Know your rights in Alabama. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Alabama Collection Law

No specific state debt collection act — FDCPA applies

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Alabama

Social Security
Workers' comp
Unemployment
Veterans' benefits

Key Alabama Protections

FDCPA applies for third-party collectors
Homestead exemption up to $16,450

Federal Laws (Apply in Alabama)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Alabama Debt Dispute Letter

DebtShield auto-cites Alabama laws + FDCPA