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How and when do I use the homestead act for a debt?

This forum post is dated 04/03/10. If you feel it is old or outdated, please follow up with a question or comment and someone may be able to update it, or reply with newer information if you have it.

Alabama - Service Jobs
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Delray Beach, Florida

How and when do I use the homestead act for a debt?

Thank author of this post/commentA credit card company is suing me and I can not pay. Cant pay to file bankruptcy either and the free legal aid service ( I live in Alabama) told me they were too busy to help. I do not have a job or bank account but am concerned about my home. I have heard something about a homestead act and would appreciate any information on it. Is this a form I need to turn in to the court? Do I do this before or after a judgment is made? Is it only after I hear they are trying to take my house? Please help. I cant afford to file bankruptcy can I use this without that? I cant afford to file bankruptcy can I use this without that?

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