Reynolds Station 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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Rhonda Evon Taylor

Child Custody, Criminal, Bankruptcy, Divorce & Family Law

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3600 Bordeaux Loop North, Owensboro, KY 42303

Christopher William Riccio

Construction, Adoption, Banking & Finance, Bankruptcy & Debt, Business

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100 E Veterans Blvd, Owensboro, KY 42303

Stephen Greene Hopkins

Wills & Probate, Administrative Law, Credit & Debt, Personal Injury, Workers' Compensation

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107 S Main St, Hardinsburg, KY 40143

Thomas C Brite

Administrative Law, Administrative Law, Credit & Debt, Employee Rights, Social Security

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Hardinsburg, KY 40143

David Thomas Reynolds

Uniform Commercial Code, Collection, Credit & Debt

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2200 E Parrish Ave, Owensboro, KY 42303

Anthony J Kunitsky

General Practice

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1629 Monarch Avenue, Owensboro, KY 42303

Joseph Harold Bennett

DUI-DWI, Bankruptcy, Civil Rights, Family Law, Juvenile Law

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3023 Saint Ann St, Owensboro, KY 42303

Perry M Lewis

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

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720 Clay St, Hartford, KY 42347

John Ford Bennett

Divorce & Family Law, Insurance, Credit & Debt, Personal Injury

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127 E Washington Street, Hartford, KY 42347

Jesse Earl Offill

Bankruptcy, Wills & Probate, Consumer Protection, Accident & Injury

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1412 Frederica Street, Owensboro, KY 42301

800-814-6700

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LEGAL TERMS

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.

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.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

CREDITOR

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

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

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.

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Reynolds Station Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Rhonda Evon Taylor

Christopher William Riccio

Stephen Greene Hopkins

Thomas C Brite

David Thomas Reynolds

Anthony J Kunitsky

Joseph Harold Bennett

Perry M Lewis

John Ford Bennett

Jesse Earl Offill

TIPS

LEGAL TERMS

CHAPTER 13 BANKRUPTCY

CHAPTER 7 BANKRUPTCY

REAFFIRMATION

ABUSE

CREDITOR

FAIR CREDIT REPORTING ACT (FCRA)

INTEREST

LIQUIDATING PARTNER

FAIR LABOR STANDARDS ACT (FLSA)

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