Alabama Garnishment Provisions are the laws that outline how creditors can garnish wages or other means of income of debtors who owe money. Generally, there are two categories of garnishment provisions in Alabama- those for consumer debts and those for non-consumer debts. For consumer debts, such as those from credit cards, medical debts, or personal loans, creditors must follow the Alabama Consumer Credit Act. This Act allows creditors to garnish up to 25% of a debtor’s wages or other income for debts that have not been satisfied. Creditors must also provide a debtor with written notice before garnishing wages. For non-consumer debts, such as unpaid taxes or child support, creditors can garnish up to 50% of a debtor’s wages or other income. In addition, creditors can garnish a debtor’s bank accounts without prior notice. For all types of garnishment in Alabama, creditors must follow certain procedures. These procedures include providing written notice to the debtor, obtaining a court order, and notifying the debtor's employer. Furthermore, creditors must limit their garnishment to the amount of the debt that is owed, plus any applicable interest and fees. In conclusion, Alabama Garnishment Provisions provide creditors with the legal authority to garnish wages or other income of debtors who owe money. These provisions are divided into two categories- those for consumer debts and those for non-consumer debts- and creditors must adhere to certain procedures when engaging in garnishment.