Bryantsville Bankruptcy & Debt Lawyer, Kentucky

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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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J James Rogan

Bankruptcy

Status:

CONTACT

3015 Gentry Lane, Danville, KY 40422

Mark Leon Zoolalian

Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

400 South Main St, Nicholasville, KY 40356

Lee M Dean

Bankruptcy

Status:

CONTACT

206 South Chiles Street, Harrodsburg, KY 40330

Mark Thomas Miller

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

Status:

CONTACT

300 W Maple St, Nicholasville, KY 40356

Lee Miller Dean

Bankruptcy

Status:

CONTACT

206 South Chiles Street, Harrodsburg, KY 40330

Gregory Adam Napier

Business, Consumer Bankruptcy, Business Organization, Corporate

Status:

CONTACT

4740 Firebrook Blvd, Lexington, KY 40513

Kimberly Ross Taylor

Bankruptcy

Status:

CONTACT

140 Wildcat Dr, Richmond, KY 40475

Marcy Elizabeth Spratt

Bankruptcy

Status: Licensed: 14 Years

CONTACT

3306 Clays Mills Rd, Lexington, KY 40503

Chadwick B Hammonds

Accident & Injury, Bankruptcy, Criminal, Divorce & Family Law

Status:

CONTACT

133 Plaza Dr, Berea, KY 40403

Theodore Valentine

Bankruptcy, Estate Planning, Estate

Status:

CONTACT

3502 Tates Creek Rd, Lexington, KY 40517

800-814-6700

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LEGAL TERMS

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

CREDIT FILE

See credit report.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

Bryantsville Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

J James Rogan

Mark Leon Zoolalian

Lee M Dean

Mark Thomas Miller

Lee Miller Dean

Gregory Adam Napier

Kimberly Ross Taylor

Marcy Elizabeth Spratt

Chadwick B Hammonds

Theodore Valentine

TIPS

LEGAL TERMS

CREDIT BUREAU

CREDIT FILE

WINDING UP

AUTOMATIC STAY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

PRESUMED ABUSE

PREFERENCE

NUISANCE FEES

FAIR CREDIT REPORTING ACT (FCRA)

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