Why is the First Time and Second Chance Home Buyer Savings Account Deduction form required if I do not have this account?

Since you don't have this account, you can get past this error, by deleting the related form.

1. From inside the return, scroll down to Tax Tools on the bottom of the left side menu.
2. Select Tools.
3. Click on Delete a form (third on the list at the bottom of the screen).
4. Find Schedule HBC under Alabama on the list of forms.
5. Click Delete to the right.
6. Confirm your Delete.
7. Click Continue in the lower right. 
8. Click Continue with my return.

At this point you should be able to complete your return.