Code of Alabama
Ala. Code § 5-19A-6 (2026)
Redemption or Automatic Forfeiture of Pledged Goods.
✓ official Alabama Legislature (ALISON) text, current July 2026
A pledgor shall have no obligation to redeem pledged goods or make any payment on a pawn transaction. Pledged goods not redeemed within 30 days following the originally fixed maturity date shall be forfeited to the pawnbroker and absolute right, title, and interest in and to the goods shall vest in the pawnbroker.
(Acts 1992, No. 92-597, p. 1227, §6.)
Notes of Decisions
Cited in 20
cases (4 in the last 5 years), 1995–2022 · leading case: Geddes v. Mayhall Enter., LLC (In Re Jones), 304 B.R. 462 (N.D. Ala. 2003).
Geddes v. Mayhall Enter., LLC (In Re Jones), 304 B.R. 462 (N.D. Ala. 2003). “As required by Ala.Code § 5-19A-6 (1975), the pawn contract included a thirty day grace period following the maturity date in which the vehicle could be redeemed by the debtor.”
In re Jones, 544 B.R. 692 (Bankr. M.D. Ala. 2016). “Pledged goods not redeemed within 30 days following the original fixed maturity date shall be forfeited to the pawnbroker and absolute right, title, and interest in and to the goods shall vest in the pawnbroker.”
In Re Young, 281 B.R. 74 (Bankr. S.D. Ala. 2001). “Ala.Code (1975) § 5-19A-6. “ ‘The debtor succeeds to no greater interest in an asset than that held by the *78 debtor at the time that the petition is filed.”
Mattheiss v. Title Loan Express (In Re Mattheiss), 214 B.R. 20 (Bankr. N.D. Ala. 1997). “The Alabama Pawnshop Act Section 5-19A-6 provides “... Pledged goods not redeemed within 30 days following the originally fixed maturity date shall be forfeited to the pawnbroker and absolute right, title, and interest in and to the goods shall vest in the pawnbroker.”
State ex rel. Morgan v. Thompson, 791 So. 2d 977 (Ala. Civ. App. 2001). “See Ala.Code 1975, § 5-19A-6 (providing that title to pawned property automatically vests in the pawnbroker 30 days after the maturity date of the pawn if the item is not redeemed).”
Barlow v. Evans, 992 F. Supp. 1299 (M.D. Ala. 1997). “The term “credit” is defined by TILA as “the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.” 15 U.S.C. § 1602 (e).”
Pattans Ventures, Inc. v. Williams, 959 So. 2d 115 (Ala. Civ. App. 2006). “See § 5-19A-6, Ala.Code *122 1975 (providing that "[p]ledged goods not redeemed within 30 days following the originally fixed maturity date shall be forfeited to the pawnbroker and absolute right, title, and interest in and to the goods shall vest in the pawnbroker").”
Wiley v. Earl's Pawn & Jewelry, Inc., 950 F. Supp. 1108 (S.D. Ala. 1997). “§ 5-19A-6. Defendants’ contention that pawnbrokers are not subject to TILA is in conflict with the Federal Reserve Board’s recently adopted amendment to its official staff commentary to Regulation Z.”
In re Bramlett, 483 B.R. 244 (Bankr. N.D. Ala. 2012). “CODE § 5-19A-6. Instead, on May 31, 2012, the debtor filed the above styled petition after the maturity date but before her right to redeem expired.”
In Re Giles, 340 B.R. 543 (Bankr. E.D. Pa. 2006). “” Ala.Code § 5-19A-6. Jones stands for the proposition that if a debtor’s bankruptcy case is filed more than thirty (30) days after the maturity of an Alabama Pawnship Act loan, a debtor may not provide for the payment of the loan as a secured debt under 11 U.”
In Re Jones, 206 B.R. 569 (Bankr. M.D. Ala. 1997). “(See Alabama Code 5-19A-6 (1975)). FCTE asserts that under 5-19A-6 of the Alabama Code that there could be no “new agreement” since FCTE, pursuant to that section, already had title/possession, because the debtors Chapter 13 case was filed after the period for redeeming the…”
Levia Womack (Bankr. M.D. Ala. 2020). “Section § 5-19A-6, ALA. CODE 1975, provides that “a pledgor shall have no obligation to redeem pledged goods or make any payment on a pawn transaction.”
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