Dispute medical bills or collections that are incorrect, inflated, or improperly billed. This template is customized for Alabama residents with relevant state law citations.
Alabama Legal Requirements
Your demand letter should reference Alabama-specific laws including Fair Debt Collection Practices Act (FDCPA).
- Fair Debt Collection Practices Act (FDCPA)
- Alabama Mini-FDCPA - Ala. Code § 5-19
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Alabama small claims court or file a complaint with Alabama Attorney General / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Medical Debt Dispute FAQs for Alabama
What laws protect me in Alabama for medical debt dispute?
Alabama consumers are protected by Fair Debt Collection Practices Act (FDCPA) and Alabama Mini-FDCPA - Ala. Code § 5-19. Your demand letter should reference these specific statutes.
What is the small claims limit in Alabama?
The small claims court limit in Alabama is $6,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Alabama?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Alabama Demand Letter
Generate a professional medical debt dispute demand letter tailored for Alabama. Our free tool includes relevant state law citations.
Generate Your Demand Letter Now