http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Alabama/index.html LawInfo - Legal Resource Center offers free Alabama Collections-Creditors Rights legal forms and free Alabama Collections-Creditors Rights legal documents that is designed to help consumers and businesses resolve their legal issues http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Alabama/can-a-creditor-collect-a-secured-and-unsecure.html If you're collecting a secured debt, you probably need legal help. You shouldn't try to repossess a car, for instance, unless you fully understand the law in this area. Hiring a reputable and bonded repo company is one option. Another is to hire an attorney and use the courts. Likewise, if you're trying to foreclose on a mortgage, you'll need the expert assistance of an attorney. <p>You can turn over an unsecured debt to a collection agency, which normally asks for 30 to 50 percent of the collected debt and expenses. But, if you are owed a lot and you believe the debt is collectible, hire an attorney. Alabama Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Alabama/can-a-creditor-contact-anyone-else-about-your.html If you have an attorney, the creditor must contact the attorney, rather than you. If you do not have an attorney, a creditor may contact other people, but only to find out where you live, what your phone number is and where you work. Creditors usually are prohibited from contacting such third parties more than once. In most cases, the creditor may not tell anyone other than you and your attorney that you owe money. Alabama Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Alabama/can-a-creditor-take-legal-action-on-a-consume.html In case of any action to enforce an interest in real property securing the consumer's obligation, the creditor can bring action only in a judicial district or similar legal entity in which the real property is located; or, in which the consumer signed the contract sued upon. Also, in which the consumer resides at the commencement of the action. Alabama Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Alabama/can-a-creditor-use-mediation.html Yes, mediation resolves disputes better. Mediation costs less, takes less time, and you don't have to go to court. Alabama Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Alabama/how-may-a-creditor-contact-you.html A creditor may contact you in person, by mail, telephone, telegram or fax. However, a creditor may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A creditor also may not contact you at work if the creditor knows that your employer disapproves of such contacts. Alabama Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections-Creditors-Rights/Alabama/what-is-a-creditor.html A creditor is any person or organization that extends credit regularly to others. Alabama Collections-Creditors Rights FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Chex-Systems/Alabama/index.html Free Chex Systems FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Collections/Alabama/index.html Free Collections FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Creditor-Remedies-in-Bankruptcy/Alabama/index.html Free Creditor Remedies in Bankruptcy FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Debt-Collections/Alabama/index.html Free Debt Collections FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Enforcement-of-Judgments/Alabama/index.html Free Enforcement of Judgments FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Fair-Credit-Reporting-Act/Alabama/index.html Free Fair Credit Reporting Act FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Fair-Debt-Collection-Practices-Act/Alabama/index.html Free Fair Debt Collection Practices Act FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Identity-Theft-Fraud/Alabama/index.html Free Identity Theft FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Judicial-Remedies/Alabama/index.html Free Judicial Remedies FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Mortgage-Foreclosure/Alabama/index.html Free Mortgage Foreclosure FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Non-Judicial-Remedies/Alabama/index.html Free Non-Judicial Remedies FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Secured-Transactions/Alabama/index.html Free Secured Transactions FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT http://resources.lawinfo.com/en/Legal-FAQs/Types-of-Creditors/Alabama/index.html Free Types of Creditors FAQs Collections-Creditors Rights Sub-categories Thu, 26 Nov 2009 23:59:31 GMT