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Douglas Howard
About | Practice Areas
Howard Law Group, P.L.L.C.
213 Saint Clair St Ste 101 Frankfort, KY 40601» view map
Bankruptcy & Debt
Where Dedication Meets Experience

At Howard Law Group, PLLC, our Frankfort lawyer has devoted his entire practice to helping clients understand their rights and helping clients make empowered legal decisions.

800-716-8131
1. Douglas Howard Frankfort, KY
  Attorney at Law - KY, 1998
  Columbus School of Law J.D. 1998
2. AboutHoward Law Group, P.L.L.C.
  Detailed Preparation & Simple Solutions
3. Practice AreasExpertise
  Bankruptcy & Debt
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Betty Jane Mick

Civil & Human Rights, Business, Bankruptcy & Debt

Status: Licensed: 32 Years

CONTACT

3591 Crocus Creek Rd, Burkesville, KY 42717

Gail Lyndon Williams

Bankruptcy, Civil Rights, Criminal, Divorce & Family Law

Status: Licensed: 30 Years

CONTACT

116 Campbellsville St, Columbia, KY 42728

Sharon Bowles Howard

General Practice

Status:

CONTACT

Edmonton, KY 42129

Stephen H. Poindexter

Accident & Injury, Bankruptcy, Criminal, Traffic

Status: Licensed: 21 Years

FREE CONSULTATION

CONTACT

360 Courthouse Square, Burkesville, KY 42717

Mildred Gail Wilson

General Practice

Status:

CONTACT

Jamestown, KY 42629

David Fayette Smith

Other, Real Estate, Trusts, Bankruptcy

Status:

CONTACT

350 Main Street, Russell Springs, KY 42642

Elizabeth G Lenn

Personal Injury, Insurance, Bankruptcy, Natural Resources, Medical Malpractice

Status:

CONTACT

273 Walnut Lane, Jamestown, KY 42629

Nicholas A Carter

Corporate, Credit & Debt, Personal Injury, Elder Law, Family Law

Status:

CONTACT

Tompkinsville, KY 42167

Rodger G Cox

General Practice

Status:

CONTACT

200 West Broadway, Campbellsville, KY 42718

Marilyn J. Neumann

Family Law, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

108 E 1St St, Campbellsville, KY 42718

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LEGAL TERMS

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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Breeding Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

Howard Law Group, P.L.L.C.

SPONSORED LAWYERS

Betty Jane Mick

Gail Lyndon Williams

Sharon Bowles Howard

Stephen H. Poindexter

Mildred Gail Wilson

David Fayette Smith

Elizabeth G Lenn

Nicholas A Carter

Rodger G Cox

Marilyn J. Neumann

TIPS

LEGAL TERMS

LIMITED LIABILITY

NO-FAULT INSURANCE

MEETING OF CREDITORS

DISPOSABLE INCOME

CHAPTER 13 BANKRUPTCY

CREDIT INSURANCE

COLLECTION AGENCY

GUARANTOR

CHAPTER 13 PLAN

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