Mc Daniels 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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Christy Jan Adams

Traffic, Estate, Divorce & Family Law, Bankruptcy

Status: In Good Standing

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200 South Buckman St., Shepherdsville, KY 40165

Perry M Lewis

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

Status: In Good Standing

CONTACT

720 Clay St, Hartford, KY 42347

David Thomas Wilson

Education, Other, Real Estate, Bankruptcy

Status: In Good Standing

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550 W Lincoln Trail Blvd, Radcliff, KY 40160

Kimberly Lynne Musselwhite-Staples

Divorce & Family Law, Criminal, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

385 W Lincoln Trail Blvd, Radcliff, KY 40160

Paul Musselwhite

Bankruptcy, DUI-DWI, Personal Injury, Child Custody

Status: In Good Standing

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385 West Lincoln Trail Boulevard, Radcliff, KY 40160

Thomas Paten Shreve

Criminal, Bankruptcy, Bankruptcy & Debt, Credit & Debt, Personal Injury

Status: In Good Standing

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200 S Main St, Elizabethtown, KY 42701

Melody Casey-Aldridge

Child Custody, Contract, Bankruptcy, Slip & Fall Accident

Status: In Good Standing

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240 West Dixie Avenue, Elizabethtown, KY 42701

Robert Daniel Mcintosh

Government, Bankruptcy

Status: In Good Standing

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385 W Lincoln Trail Blvd, Radcliff, KY 40160

Rhonda Evon Taylor

Child Custody, Criminal, Bankruptcy, Divorce & Family Law

Status: In Good Standing

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3600 Bordeaux Loop North, Owensboro, KY 42303

Russ Wilkey

Accident & Injury, Workers' Compensation, Bankruptcy & Debt, Social Security -- Disability

Status: In Good Standing

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CONTACT

111 W 2nd St, Owensboro, KY 42303

800-923-0641

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LEGAL TERMS

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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).

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

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Mc Daniels Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Christy Jan Adams

Perry M Lewis

David Thomas Wilson

Kimberly Lynne Musselwhite-Staples

Paul Musselwhite

Thomas Paten Shreve

Melody Casey-Aldridge

Robert Daniel Mcintosh

Rhonda Evon Taylor

Russ Wilkey

TIPS

LEGAL TERMS

DISPOSABLE INCOME

LIEN

CHAPTER 13 BANKRUPTCY

NUISANCE FEES

HOUSEHOLDER

GRACE PERIOD

REAFFIRMATION

CHAPTER 7 BANKRUPTCY

SECRET WARRANTY PROGRAM

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