Meadow Vale 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

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.

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.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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Meadow Vale 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

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LEGAL TERMS

FAIR LABOR STANDARDS ACT (FLSA)

PREFERENCE

NUISANCE FEES

SECURED DEBT

SETOFF

INTEREST

DEBIT CARD

SECRET WARRANTY PROGRAM

NONDISCHARGEABLE DEBTS

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