Alabama Bankruptcy: Exemptions, Courts, and What to Expect

The chapters are federal. Chapter 7 and Chapter 13 work the same way as elsewhere, with Alabama exemptions plugged into the asset analysis and Alabama collection law in the background.

See the office cards on this page for current Alabama bankruptcy locations. Phones on office URLs are local; Knowledge Center pages use the main (800) number.

• Alabama Bankruptcy Courts and Districts — Alabama Bankruptcy Courts and Districts

  File in the correct Alabama district. The Northern District includes Birmingham, Huntsville, and Tuscaloosa divisions among others. The Middle District includes Montgomery, Dothan, and Opelika. The Southern District is based in Mobile. Local rules and trustee assignments differ.

• Alabama Bankruptcy Exemptions — Alabama Bankruptcy Exemptions

  Alabama debtors generally claim exemptions under Title 6, Chapter 10, not 11 U.S.C. § 522(d). Homestead and personal-property statutes are the core. Some federal exclusions still apply. Amounts change—read the current Code section rather than a reprinted figure.

• Alabama Foreclosure and Bankruptcy — Alabama Foreclosure and Bankruptcy

  Alabama often uses non-judicial foreclosure under a mortgage power of sale. Notice and publication rules are in Title 35, Chapter 10. Bankruptcy can stay a sale that has not been completed. Georgia’s confirmation-of-sale requirement is **not** Alabama law.

• Alabama Homestead Exemption — Alabama Homestead Exemption

  Alabama protects a qualifying homestead up to the limits in § 6-10-2 and related sections. A mortgage still has to be paid or cured. A judgment lien that impairs the homestead may be avoidable under federal § 522(f). Rural vs. city acreage rules are in the statute—read it.

• Alabama Vehicle Exemption in Bankruptcy — Alabama Vehicle Exemption in Bankruptcy

  Unlike Georgia, Alabama’s main tool for a car is the personal-property exemption in § 6-10-6 (and any other specific Alabama provisions that apply). Equity above what you can claim may be exposed in Chapter 7 or paid in Chapter 13. The loan is a separate problem.

• Alabama Wage Garnishment and Bankruptcy — Alabama Wage Garnishment and Bankruptcy

  In Alabama, a creditor usually needs a judgment, then serves garnishment on the employer. Federal law caps many consumer garnishments. Filing bankruptcy generally stays that garnishment. Support and tax withholdings can be different. This is not Georgia’s continuing-garnishment statute.

We review Alabama property and debts, apply Chapter 6-10 exemptions to the facts you provide, identify the likely district, and file Chapter 7 or 13 when you proceed. We do not guarantee a particular exemption result or that every county is served from every office.