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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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Perry M Lewis

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

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720 Clay St, Hartford, KY 42347

Rhonda Evon Taylor

Child Custody, Criminal, Bankruptcy, Divorce & Family Law

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3600 Bordeaux Loop North, Owensboro, KY 42303

Septtimous Taylor

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

Status: Licensed: 47 Years

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4830 Towne Square Ct, Owensboro, KY 42301

Russ Wilkey

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

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111 W 2nd St, Owensboro, KY 42303

Frank Anthony Brancato

Divorce & Family Law, Corporate, Bankruptcy, Bankruptcy & Debt

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111 W. 2Nd Street, Owensboro, KY 42303

Steven Dale Wilson

Government, Bankruptcy, Bankruptcy & Debt, Personal Injury

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111 W 2Nd St, Owensboro, KY 42303

Cheryl L Newberry

Bankruptcy, Bankruptcy & Debt, Labor Law, Family Law

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Owensboro, KY 42302

R Michael Sullivan

Banking & Finance, Bankruptcy, Business, Employment

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100 Saint Ann St, Owensboro, KY 42303

Tyson Allen Kamuf

Energy, Civil Rights, Corporate, Credit & Debt, Employee Rights

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710 West Second Street, Owensboro, KY 42301

Matthew Clark Tierney

Estate, Real Estate, Collection, Credit & Debt, Elder Law

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Owensboro, KY 42302

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LEGAL TERMS

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.

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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).

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

CREDIT FILE

See credit report.

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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Olaton Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Perry M Lewis

Rhonda Evon Taylor

Septtimous Taylor

Russ Wilkey

Frank Anthony Brancato

Steven Dale Wilson

Cheryl L Newberry

R Michael Sullivan

Tyson Allen Kamuf

Matthew Clark Tierney

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LEGAL TERMS

GRACE PERIOD

CHAPTER 13 BANKRUPTCY

COSIGNER

LIEN

DISCHARGEABLE DEBTS

COLLECTION AGENCY

IRS EXPENSES

CREDIT FILE

FORBEARANCE

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