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Alabama Bankruptcy Laws

Key Points

Alabama has got its own set of exemptions when it comes to filing bankruptcy. Alabama has opted out of the federal bankruptcy exemptions. Hence, you can't take advantage of the bankruptcy exemptions established by federal law if you fie bankruptcy in Alabama.

However, you could use the federal non-bankruptcy exemptions that might be applicable. These include the likes of veterans' benefits and federal retirement accounts.

Married couples in Alabama can take advantage of doubling their exemption amounts if they file a joint bankruptcy. This means you and your spouse can each claim the full amount for any property that belongs to you..

Homestead

You're exempt up to 5,000 dollars in value and up to 160 acres of real estate and the residence upon it. This includes a house, mobile home or a similar place of living.

Wages

75 percent of wages stand exempt. In other words, this amounts to 30 times the federal minimum wage.

Pension or Retirement Benefits

Retirement accounts qualified under the Internal Revenue Code, the IRAs and Roth IRAs are exempt.

Accounts and benefits of State Employees' Retirement Systems and Teachers' Retirement System are also exempt in Alabama.

Tools of the Trade

You're exempt for uniforms and arms of military personnel.

A vehicle and tools used personally for by your business and essential to it is also exempt.

Personal Property

You're exempt for the life insurance proceeds, clothing, family portraits, books as well as pictures for use by you and your family.

Burial plots or church pews that are used by you and your family are also exempt.

Wildcard

You're exempt up to 3,000 dollars for any personal property, except for wages.

Northern District of Alabama

Eastern Division Anniston

Street Address:
Federal Building and US Courthouse
US Bankruptcy Court
1129 Noble Street

Anniston, Alabama 36201

Mailing Address:
Clerk's Office
US Bankruptcy Court
914 Noble Street

Anniston, Alabama 36201

Contact Number:
256-741-1500

Working Hours:
Monday through Friday
8:30 AM to 4:30 PM (except Federal holidays)

Northern Division Decatur

Street Address:
US Post Office and Courthouse
US Bankruptcy Court
400 Well Street

Decatur, Alabama 35601

Mailing Address:
US Bankruptcy Court

P.O. Box 2775

Decatur, Alabama 35602

Contact Number:
256-584-7900

Working Hours:
Monday through Friday
8:00 AM to 4:30 PM (except Federal holidays)

Southern Division Birmingham

Street Address:
US Bankruptcy Court
Robert S. Vance Federal Building
1800 Fifth Avenue North

Birmingham, Alabama 35203-2111

Mailing Address:
US Bankruptcy Court

1800 Fifth Avenue North

Birmingham, Alabama 35203

Contact Number:
205-714-4000

Working Hours:
Monday through Friday
8:00 AM to 4:30 PM (except Federal holidays)

Western Division Tuscaloosa

Street Address:
Federal Building and US Courthouse
2005 University Boulevard
Tuscaloosa, Alabama 35401

Mailing Address:
Clerk's Office

2005 University Boulevard

Room 2300

Tuscaloosa, Alabama 35401

Contact Number:
205-561-1600

Working Hours:
Monday through Friday
8:00 AM to 4:30 PM (except Federal holidays)

Southern District of Alabama

Mobile

Street Address:
US Bankruptcy Court
Southern District of Alabama

201 St Louis St.
Mobile, Alabama 36602

Mailing Address:
Same as Street Address.

Contact Number:
251-441-5391

Working Hours:
Monday through Friday
8:30 AM to 4:30 PM (except Federal holidays)

Selma

Street Address:
US Bankruptcy Court
Southern District of Alabama
908 Alabama Avenue
Selma, Alabama 36701

Mailing Address:
Same as Mobile Mailing Address.

Contact Number:
251-441-5391

Working Hours:
Monday through Friday

8:30 AM to 4:30 PM (except Federal holidays)

Middle District of Alabama

Montgomery (Northern Division)

Street Address:
US Bankruptcy Court
Middle District of Alabama
One Church Street
Montgomery, Alabama 36104

Mailing Address:
Same as Street Address.

Contact Number:
334-954-3800

Working Hours:
Monday through Friday
8:00 AM to 4:00 PM (except Federal holidays)

Opelika (Eastern Division)

Street Address:
US Bankruptcy Court
Middle District of Alabama
701 Avenue A

Opelika, Alabama 36801

Street Address:
Same as Montgomery Mailing Address.

Contact Number:
334-954-3800

Working Hours:
Monday through Friday
8:00 AM to 4:00 PM (except Federal holidays)

Dothan (Southern Division)

Street Address:
US Bankruptcy Court
Middle District of Alabama
100 W. Troy Street

Dothan, Alabama 36303

Mailing Address:
Same as Montgomery Mailing Address.

Contact Number:
334-954-3800

Working Hours:
Monday through Friday
8:30 AM to 4:30 PM (except Federal holidays)

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