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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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Richard Boyd Alphin

Bankruptcy, Credit & Debt

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CONTACT

700 N Hurstbourne Pkwy, Louisville, KY 40222

Stephanie Rae Renner

Commercial Real Estate, Real Estate, Corporate, Business, Credit & Debt

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CONTACT

3203 Dinah Court, Louisville, KY 40242

Jeffrey Eugene Hiatt

Civil Rights, Corporate, Credit & Debt, Personal Injury

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802 Lily Creek Rd, Louisville, KY 40243

Vanessa Ann Robinson

Bankruptcy, Bankruptcy & Debt

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FREE CONSULTATION

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1717 Alliant Ave, Louisville, KY 40299

Samantha A Nix

Bankruptcy

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CONTACT

1717 Alliant Ave, Louisville, KY 40299

Stiman Kelly Gilliam

Environmental Law Other, Employee Rights, Collection, Household Mold

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3409 Cross Pointe Road, Louisville, KY 40241

Darren Carl Wolff

General Practice

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2615 Taylorsville Rd, Louisville, KY 40205

Christina Nicole Worley

Litigation, Credit & Debt

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700 N Hurstbourne Pkwy, Louisville, KY 40222

Christopher David Bush

Administrative Law, Credit & Debt, Medical Malpractice, Employee Rights, Civil Rights

Status: Licensed: 10 Years

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4055 Shelbyville Rd, Louisville, KY 40207

800-814-6700

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LEGAL TERMS

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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).

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

TRADE NAME

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

COLLATERAL

Property that guarantees payment of a secured debt.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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Crossgate Bankruptcy & Debt Lawyer, Kentucky, page 6

Sponsored Law Firm

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

SPONSORED LAWYERS

Richard Boyd Alphin

Stephanie Rae Renner

Jeffrey Eugene Hiatt

Vanessa Ann Robinson

Samantha A Nix

Stiman Kelly Gilliam

Darren Carl Wolff

Christina Nicole Worley

Christopher David Bush

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LEGAL TERMS

BANKRUPTCY TRUSTEE

CREDIT REPORT

SUBROGATION

IRS EXPENSES

TRADE NAME

COLLATERAL

FAIR LABOR STANDARDS ACT (FLSA)

PRESUMED ABUSE

DEBT COLLECTOR

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