Grant County, KY Reorganization Lawyers

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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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William Ray Adkins

Family Law, Divorce & Family Law, Criminal, Personal Injury

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Williamstown, KY 41097

Paul Messner

General Practice

Status: Licensed: 44 Years

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980 Dry Ridge - Mount Zion Rd, Dry Ridge, KY 41035

Leon Frank Brown

General Practice

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1180 Lebanon Rd, Crittenden, KY 41030

John Brent Threlkeld

International, Estate, Criminal, Bankruptcy & Debt

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409 North Main Street, Williamstown, KY 41097

Jonathan Todd Shipp

Landlord-Tenant

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420 Dry Ridge Mount Zion Road, Dry Ridge, KY 41035

Deborah Jo Zimmerman

Estate Planning, Estate Planning, Gift Taxation, Tax

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1145 Lebanon Rd, Crittenden, KY 41030

Soren Andrew Campbell

Corporate, Social Security, Elder Law, Estate Planning, Business

Status: Licensed: 11 Years

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100 Cynthiana St, Williamstown, KY 41097

Steven N Howe

Personal Injury, Family Law, Civil Rights, Federal Appellate Practice, Estate

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94 S Main St, Dry Ridge, KY 41035

Kimberly Lynette Johnson-Spratt

General Practice

Status: Licensed: 26 Years

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195 Lexington Trails, Dry Ridge, KY 41035

Ginger Ann Jansen

Real Estate, Property Damage, Commercial Real Estate, Estate

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1300 N Main St, Williamstown, KY 41097

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LEGAL TERMS

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.

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.

FCBA

See Fair Credit Billing Act.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

CREDITOR

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

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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Grant County, KY Reorganization Lawyers

Sponsored Law Firm

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

SPONSORED LAWYERS

William Ray Adkins

Paul Messner

Leon Frank Brown

John Brent Threlkeld

Jonathan Todd Shipp

Deborah Jo Zimmerman

Soren Andrew Campbell

Steven N Howe

Kimberly Lynette Johnson-Spratt

Ginger Ann Jansen

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

REDEMPTION

FCBA

UNSECURED DEBT

LIMITED LIABILITY

CHAPTER 13 BANKRUPTCY

DEBIT CARD

CREDITOR

FORBEARANCE

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