Alabama Pre-Settlement Funding
Get cash while your Alabama personal injury case settles.
Alabama pre-settlement funding is a cash advance against your active personal injury claim. ECO helps Alabamians pay rent, medical bills, and everyday costs while the case works through the court. You only repay if you win or settle. If the case loses, you owe nothing. That’s the part of a lawsuit advance that surprises most plaintiffs.
✓ Repay $0 If You Lose
✓ $500 to $250,000+
✓ No Credit Check
Apply For Pre-settlement Funding
On this page
Who Qualifies in Alabama?
Three boxes need to check before you apply. Your case has to be open. Your attorney has to be working on contingency in Alabama. And the filing date has to fall inside Alabama’s two-year statute of limitations. Miss any of those and the application stalls.
Active Alabama Lawsuit
Your case has to be filed and open in an Alabama state or federal court. We work with plaintiffs from Mobile to Huntsville, across all 67 counties.
Alabama Attorney on Contingency
Your attorney has to be licensed in Alabama and working on a contingency fee. We talk to your law firm directly about the lawsuit advance, so you don’t get pulled into back-and-forth about paperwork.
Documented Case Merit
Clear liability and real damages drive our approval, not your credit score or pay stubs. Liability strength matters more in Alabama than in most states because of the contributory negligence rule.
Cases We Fund in Alabama
We advance funds on most personal injury case types filed under Alabama law.
Auto Accidents
Car, truck, motorcycle, rideshare, pedestrian, and bicycle collision claims.
Medical Malpractice
Misdiagnosis, surgical errors, birth injuries, and nursing home negligence.
Premises & Slip and Fall
Unsafe property conditions, negligent security, and inadequate maintenance.
Workplace & Construction
Third-party liability claims outside Alabama workers’ compensation.
Wrongful Death
Survivor claims under the Alabama Wrongful Death Act for fatal accidents.
Mass Tort & Product Liability
Defective products, dangerous pharmaceuticals, and toxic exposure claims.
Start your Alabama lawsuit funding application today
Or call us toll-free at (800) 961-8924.
Alabama Pre-Settlement Funding Laws and Regulations
Alabama’s tort framework is one of the strictest in the country. The state still uses pure contributory negligence, which means even 1 percent of fault can wipe out a recovery. These rules shape how we review every Alabama lawsuit funding request, so confirm timing and liability details with your attorney before relying on any number below.
Statute of Limitations for Personal Injury
- General negligence: 2 years from the date of injury [1]
- Medical malpractice: 2 years from the act, 4 years maximum from date of incident
- Wrongful death: 2 years from date of death
- Product liability: 2 years from injury or discovery
Alabama runs one of the shortest statute clocks in the South. There is no general discovery rule for personal injury, so the deadline often starts on the date of the accident itself.
Minimum Mandatory Auto Policy Limits
- Bodily Injury Liability (BI): $25,000 per person / $50,000 per accident [2]
- Property Damage Liability (PD): $25,000
- Personal Injury Protection (PIP): not required
Alabama is a tort state, not a no-fault state. PIP coverage is optional. Uninsured motorist coverage has to be offered by the insurer but can be rejected in writing.
Contributory Negligence Rule
- Pure contributory negligence (one of only 4 states plus DC)
- If you are found even 1 percent at fault, you recover nothing
- Liability defenses are aggressive in Alabama courts, so strong case prep matters more than in most states
How the Process Works
Three steps from your first call to money in your account.
1
Apply
Fill out the short form at the top of the page or call (800) 961-8924. Most settlement advance applications take about five minutes.
2
Approval
One of our specialists calls your Alabama attorney to pull case documents and review the basics. Most decisions land within 24 business hours.
3
Get Funds
Sign the agreement and the money goes out by ACH or wire. Most Alabama plaintiffs see the funds inside 24 to 48 hours.
Frequently Asked Questions
Do I need to live in Alabama to qualify?
No. What matters is where your lawsuit is filed, not where you live. As long as your personal injury case is in an Alabama court, you can apply from anywhere in the country.
How fast can I get the money?
Most Alabama plaintiffs are funded within 24 to 48 hours after approval. Approval itself usually takes one business day, once your attorney sends the case documents.
How much can I get on my case?
Advances run from $500 to $250,000+. The actual amount depends on your case value, how strong the liability is, and the settlement range your attorney expects. Most plaintiffs qualify for 10 to 20 percent of the expected settlement.
What happens if I lose my case?
Nothing comes out of your pocket. Our advances are non-recourse, which means repayment only happens if you win or settle. If the case goes the other way, you keep what you received and walk away owing zero.
Apply for an Alabama lawsuit loan today
Call toll-free at (800) 961-8924.
Resources
- Ala. Code § 6-2-38 (Two-year statute of limitations for personal injury actions). Source: Alabama Legal Service Authority.
- Alabama Insurance Requirements. Source: Alabama Department of Insurance, aldoi.gov.