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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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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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CONTACT

9300 Shelbyville Rd, Louisville, KY 40222

John R Benz

Landlord-Tenant, Collection, Wills & Probate, Corporate

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CONTACT

9302 New Lagrange Road, Louisville, KY 40242

Patricia Ann Abell

Sexual Harassment, Discrimination, Administrative Law, Credit & Debt

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CONTACT

312 Whittington Parkway, Louisville, KY 40222

Ashley Ahrens Flynn

General Practice

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CONTACT

4205 Springhurst Blvd, Louisville, KY 40241

William Scott Stinnett

Other, Lawsuit & Dispute, Civil Rights, Bankruptcy

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CONTACT

700 N Hurstbourne Pkwy, Louisville, KY 40222

Michael V Brodarick

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

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CONTACT

700 N Hurstbourne Pkwy, Louisville, KY 40222

W. Scott Stinnett

Litigation, Bankruptcy

Status: Licensed: 22 Years

CONTACT

700 N Hurstbourne Pkwy, Louisville, KY 40222

Dennis R. Carrithers

Estate, Real Estate, Bankruptcy & Debt

Status: Licensed: 49 Years

CONTACT

2210 Goldsmith Ln, Louisville, KY 40218

Peter Mark Gannott

Government, Bankruptcy, Bankruptcy & Debt, Civil Rights

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CONTACT

10230 Shelbyville Rd, Louisville, KY 40223

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LEGAL TERMS

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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 COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.

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).

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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

SECRET WARRANTY PROGRAM

CURRENT MONTHLY INCOME

CREDIT BUREAU

CREDIT COUNSELING

TRADE NAME

LIABILITY

CREDITOR

PRESUMED ABUSE

CREDIT REPORT

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