Alabama Bankruptcy Laws
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)
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)
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)
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)
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)
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)
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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