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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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Wendy Leigh Groce-Smith

Immigration, Bankruptcy, Bankruptcy & Debt, Medical Malpractice

Status:

CONTACT

6008 Brownsboro Park Boulevard, Louisville, KY 40207

Gregory James Daly

Civil Rights, Litigation, Credit & Debt, Construction

Status: Licensed: 10 Years

CONTACT

6008 Brownsboro Park Blvd, Louisville, KY 40207

Robert Waugh Adams

Real Estate, Gift Taxation, Business, Bankruptcy

Status: Licensed: 30 Years

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6004 Brownsboro Park Blvd, Louisville, KY 40207

Jan M Glasgow

General Practice

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2010 Croghan House Dr, Louisville, KY 40207

Helene Gordon Williams

Real Estate, Trusts, Elder Law, Bankruptcy

Status:

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2904 Hunters Branch Drive, Louisville, KY 40241

Michael Jay Leibson

Federal Appellate Practice, Credit & Debt, Bankruptcy, Personal Injury

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7812 Fairmeadows Lane, Louisville, KY 40222

Carolyn K. Balleisen

General Practice

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CONTACT

3102 Runnymede Rd, Louisville, KY 40222

Joe Futrell Wright

Administrative Law, Credit & Debt, Employee Rights, Civil Rights, Energy

Status: Licensed: 44 Years

CONTACT

295 N Hubbards Lane, Louisville, KY 40207

Donald W Blackburn

General Practice

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206 Sequoya Rd, Louisville, KY 40207

Allison Elkins Cooper

General Practice

Status: Licensed: 9 Years

CONTACT

314 Marshall Drive, Louisville, KY 40207

800-814-6700

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LEGAL TERMS

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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Crossgate Bankruptcy & Debt Lawyer, Kentucky, page 2

Sponsored Law Firm

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

SPONSORED LAWYERS

Wendy Leigh Groce-Smith

Gregory James Daly

Robert Waugh Adams

Jan M Glasgow

Helene Gordon Williams

Michael Jay Leibson

Carolyn K. Balleisen

Joe Futrell Wright

Donald W Blackburn

Allison Elkins Cooper

TIPS

LEGAL TERMS

GARNISHMENT

LIEN

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

ACCORD AND SATISFACTION

PRIORITY DEBT

NO-FAULT INSURANCE

SETOFF

401(K) PLAN

REDEMPTION

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