Langdon Place 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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Michael W. McClain

Business Organization, Products Liability, Collection, Banking & Finance

Status: In Good Standing

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9720 Park Plaza Avenue, Louisville, KY 40241

Leeann Thornhill

Foreclosure, Garnishment, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing

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Wasson & Thornill, PLLC, Louisville, KY 40220

Robert W. Riley

Bankruptcy, Family Law, Medical Malpractice, Personal Injury

Status: In Good Standing

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9400 Williamsburg Plaza, Louisville, KY 40222

Natalie L. Kaelin

Administrative Law, Corporate, Collection, Construction

Status: In Good Standing

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11414 Main Street, Louisville, KY 40243

Richard A. Schwartz

Workout, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing

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3339 Taylorsville Road, Louisville, KY 40205

Kenneth J. Henry

Accident & Injury, Divorce & Family Law, Bankruptcy, Civil & Human Rights, Education

Status: In Good Standing Licensed: 21 Years

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Henry & Associates, PLLC, Louisville, KY 40223

Gordon Alexander Rowe

Accident & Injury, Bankruptcy & Debt, Employment, Business

Status: In Good Standing Licensed: 28 Years

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9462 Brownsboro Rd, Louisville, KY 40241

Mark Jeffery Sandlin

Bankruptcy & Debt, Real Estate

Status: In Good Standing

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9301 Dayflower Street, Prospect, KY 40059

Gail Russell

Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

9301 Dayflower St., Prospect, KY 40059

Kyle Perret Galloway

Commercial Leasing, Corporate, Business Organization, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

9625 Ormsby Station Road, Louisville, KY 40223

800-923-0641

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LEGAL TERMS

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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Langdon Place Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Michael W. McClain

Leeann Thornhill

Robert W. Riley

Natalie L. Kaelin

Richard A. Schwartz

Kenneth J. Henry

Gordon Alexander Rowe

Mark Jeffery Sandlin

Gail Russell

Kyle Perret Galloway

TIPS

LEGAL TERMS

BANKRUPTCY

CREDIT INSURANCE

GARNISHMENT

S CORPORATION

FORBEARANCE

FDCPA

COLLECTION AGENCY

LIEN

PREFERENCE

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