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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.
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  Bankruptcy & Debt
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Charles E Ricketts

Dispute Resolution, Criminal, Bankruptcy, Personal Injury, Mass Torts

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CONTACT

4055 Shelbyville Rd, Louisville, KY 40207

Kevin Renfro

Immigration, Wrongful Termination, Bankruptcy & Debt, Personal Injury, Accident & Injury

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9300 Shelbyville Rd, Louisville, KY 40222

John R Benz

Landlord-Tenant, Collection, Wills & Probate, Corporate

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9302 New Lagrange Road, Louisville, KY 40242

Patricia Ann Abell

Sexual Harassment, Discrimination, Administrative Law, Credit & Debt

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312 Whittington Parkway, Louisville, KY 40222

Ashley Ahrens Flynn

General Practice

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4205 Springhurst Blvd, Louisville, KY 40241

William Scott Stinnett

Other, Lawsuit & Dispute, Civil Rights, Bankruptcy

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700 N Hurstbourne Pkwy, Louisville, KY 40222

Michael V Brodarick

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

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700 N Hurstbourne Pkwy, Louisville, KY 40222

W. Scott Stinnett

Litigation, Bankruptcy

Status: Licensed: 22 Years

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700 N Hurstbourne Pkwy, Louisville, KY 40222

Dennis R. Carrithers

Estate, Real Estate, Bankruptcy & Debt

Status: Licensed: 49 Years

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2210 Goldsmith Ln, Louisville, KY 40218

Peter Mark Gannott

Government, Bankruptcy, Bankruptcy & Debt, Civil Rights

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10230 Shelbyville Rd, Louisville, KY 40223

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LEGAL TERMS

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

FCBA

See Fair Credit Billing Act.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

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Crossgate Bankruptcy & Debt Lawyer, Kentucky, page 4

Sponsored Law Firm

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

SPONSORED LAWYERS

Charles E Ricketts

Kevin Renfro

John R Benz

Patricia Ann Abell

Ashley Ahrens Flynn

William Scott Stinnett

Michael V Brodarick

W. Scott Stinnett

Dennis R. Carrithers

Peter Mark Gannott

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LEGAL TERMS

SECURED DEBT

INTEREST

CREDIT INSURANCE

COSIGNER

FCBA

ABUSE

DOING BUSINESS AS (DBA)

CREDIT REPORT

PRIORITY DEBT

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