Consumer Law

Why Are My Ex Husband’s Debts are Ruining My Credit in Alabama?

The general rule is that if you are a co-debtor or co-signor (joint obligor) on a loan you are as responsible for the debt as the person whose name appears on the first line of the paperwork (primary obligor). Although the lender will generally expect the primary obligor to make the payments, they can come after the joint obligor any time the payment is late or the loan goes into default. Default simply means that payments are past any grace period. Most loans can be considered “in default” if the payment is a day late.

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How to Stop a Foreclosure in Alabama

There are several ways to stop a foreclosure. One of the most common ways to prevent a mortgage company from foreclosing on your home is to file Chapter 13 Bankruptcy. Chapter 13 allows you to reorganize your debt and gives you the opportunity to pay your mortgage arrearage over a 3 or 5 year period. It is important that you consult with an experienced Bankruptcy attorney and file your case before the date that the foreclosure is scheduled. Once the foreclosure sale is held, Chapter 13 cannot save your home. Filing Chapter 13 can also stop vehicle repossessions and may reduce your total monthly expenses.

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How Does Small Claims Court Work in Alabama?

You can file a Small Claims lawsuit in almost any civil case where the amount in controversy is $3,000.00 or less. You do not need a lawyer to represent you because the rules are relaxed and your case will be decided by a Judge and not a jury. To initiate a case in Small Claims Court you need to fill out a Statement of Claim (Complaint) and file it with the clerk’s office in either the county where your claim occurred or where the Defendant (person you are suing) resides.

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Does the lemon law give you rights when buying a used car as is with no warranty?

Although you may not be familiar with the Latin phrase Caveat Emptor, I’m sure you have heard the phrase “buyer beware” before. “Buyer beware” is something that you should take to heart every time you buy anything used without a written warranty. The phrase simply means that you, as the buyer, assume all risk for the item you are buying once money changes hands unless arrangements are made otherwise.

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