Debt Collection Problems

Debt Collection Laws

Alabama Fair Debt Collection Practices Act

Harassment from a debt collector can be a frightening experience.  The Fair Debt collection Practices Act provides for protection for consumers against harassment or other abusive practices.  Some states have enacted their own laws to protect consumers from abusive debt collection practices.  In Alabama, there is a state law that applies to debt collectors.Ala. Code §40-12-80

The Alabama law covers any person or entity that is deemed a debt collector under the FDCPA.  The statute is a licensing statute.  This means that the law is one that has requirements of obtaining a special license to perform collections in Alabama. 

There is no mention in the law as to whether the consumer has a private remedy - in other words, this may only be enforceable by a government entity and the consumer may not have a right to sue on their own behalf in Alabama.