ALABAMA INTEREST RATE - Legal: 6% - Judgment 12% STATUTE OF LIMITATIONS (IN YEARS) - Open Acct: 3 - Written contract 6 - Domestic Judgment 20 - Foreign Judgment 20 BAD CHECK LAWS (CIVIL PENALTY) - Actual Bank charges GENERAL GARNISHMENT EXEMPTIONS - 75% of wages are exempt from garnishment COLLECTION AGENCY BOND & LICENSE - Bond: No - License: No - Fee: $25 if the Population is under 20,000 or $100 if the Population is over 20,000