While unsecured debt refers to things like medical bills and credit card statements, secured debt refers to debts directly tied to property. The reason this debt is called "secured" is because the creditor you're borrowing from has something they can definitively, securely take away in the event that you don't make payments on it. For instance, if you go to buy a car, house, furniture, or jewelry but can't keep up with the payments on that property, the creditor that owns the property has a right to take it back.
If you're concerned about losing property to a creditor, or if you're generally interested in learning more about debt solutions anywhere in northern Alabama, give my law office a call. As a Huntsville bankruptcy lawyer, I have a wide range of knowledge when it comes to debt relief, and I'm happy to share that knowledge with those who reach out for help.