Alabama’s Debt Rule (Short & Clear)
Alabama state outline with a gavel icon. Alabama is an ‘equitable distribution’ state—debts are split fairly, not always equally
Student Loans – Who Pays?
A graduation cap + divorce papers. "Your student loans stay YOURS unless your ex co-signed or you used loans for joint expenses."
Credit Card Drama
A shredded credit card. "Joint cards? Both pay. But if it’s your card (and your shopping spree), you’re stuck with it."
Mortgage & Car Loans
A house + car keys. "Still jointly owned? You’ll need to refinance—or sell and split the debt."
Pro Tip (Actionable)
A lawyer shaking hands. "Protect yourself: Close joint accounts before filing. Alabama courts won’t do it for you!"
Medical Bills
Hospital bill with heart rate monitor "Medical debt from marriage? Typically split based on who benefited"
Student Loans
Diploma with "EX" stamp "Your degree = your debt! Student loans stay with borrower...unless ex co-signed!"