Earlington 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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Maurice Reeves Little

Bankruptcy, Bankruptcy & Debt, Other

Status:

CONTACT

1917 Versnick Drive, Madisonville, KY 42431

Tonya Hightowe Fleming

Employment, Bankruptcy, Workers' Compensation, Mediation

Status:

CONTACT

184 Poole Mill Rd, Crofton, KY 42217

John Baird

Real Estate, Bankruptcy, Bankruptcy & Debt, Workers' Compensation

Status:

CONTACT

135 South Main Street, Greenville, KY 42345

Russell L Croley

Commercial Real Estate, Estate Planning, Bankruptcy

Status:

CONTACT

1601 W Everly Brothers, Central City, KY 42330

David E Arvin

Real Estate, Energy, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 44 Years

CONTACT

Hopkinsville, KY 42241

Tommy J Fridy

Land Use & Zoning, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

Sebree, KY 42455

Roy Massey

Bankruptcy & Debt, Credit & Debt, Personal Injury

Status:

CONTACT

P.O. Box 361, Marion, KY 42064

Perry M Lewis

Real Estate, Estate, Family Law, Bankruptcy, Elder Law

Status:

CONTACT

720 Clay St, Hartford, KY 42347

Septtimous Taylor

Real Estate, Bankruptcy, Bankruptcy & Debt, Corporate, Civil Rights

Status: Licensed: 47 Years

CONTACT

4830 Towne Square Ct, Owensboro, KY 42301

Sandra D Freeburger

Estate, Credit & Debt, Bankruptcy, Bankruptcy & Debt

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CONTACT

Henderson, KY 42419

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LEGAL TERMS

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

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.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

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).

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.

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Earlington Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Maurice Reeves Little

Tonya Hightowe Fleming

John Baird

Russell L Croley

David E Arvin

Tommy J Fridy

Roy Massey

Perry M Lewis

Septtimous Taylor

Sandra D Freeburger

TIPS

LEGAL TERMS

COLLECTION AGENCY

LOSS DAMAGE WAIVER (LDW)

SECRET WARRANTY PROGRAM

REAFFIRMATION

GARNISHMENT

INFRINGEMENT (OF TRADEMARK)

PRESUMED ABUSE

CREDIT REPORT

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

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