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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Anthony J Kunitsky

General Practice

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1629 Monarch Avenue, Owensboro, KY 42303

Bryan Robert Reynolds

Real Estate, Energy, Consumer Rights, Collection

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100 Saint Ann St, Owensboro, KY 42303

Candy Yarbray Englebert

Family Law, Civil Rights, Collection, Accident & Injury

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121 W 2Nd St, Owensboro, KY 42302

Cheryl L Newberry

Bankruptcy, Bankruptcy & Debt, Labor Law, Family Law

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Owensboro, KY 42302

Christopher William Riccio

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

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100 E Veterans Blvd, Owensboro, KY 42303

Christopher L Rhoads

Motor Vehicle, Social Security -- Disability, Collection, Accident & Injury

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115 E 2Nd St, Owensboro, KY 42303

David Thomas Reynolds

Uniform Commercial Code, Collection, Credit & Debt

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2200 E Parrish Ave, Owensboro, KY 42303

David W Lamar

Family Law, Bankruptcy, Civil Rights, Litigation

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600 Park Plaza Dr, Owensboro, KY 42301

David James Farley

Credit & Debt, Social Security, Elder Law, Family Law

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117 West 2Nd Street, Owensboro, KY 42303

David M Taylor

Bankruptcy, Family Law, Civil Rights, Criminal

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327 W 9Th St, Owensboro, KY 42301

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LEGAL TERMS

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

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.

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.

CREDIT FILE

See credit report.

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.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

FCRA

See Fair Credit Reporting 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.

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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Reynolds Station Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Anthony J Kunitsky

Bryan Robert Reynolds

Candy Yarbray Englebert

Cheryl L Newberry

Christopher William Riccio

Christopher L Rhoads

David Thomas Reynolds

David W Lamar

David James Farley

David M Taylor

TIPS

LEGAL TERMS

DOING BUSINESS AS (DBA)

CREDIT INSURANCE

SECURED DEBT

CREDIT FILE

NONDISCHARGEABLE DEBTS

INFRINGEMENT (OF TRADEMARK)

FCRA

COLLECTION AGENCY

PREFERENCE

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