Saint Francis 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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Arlene Courtney Gray

Bankruptcy, Corporate, Collection, Consumer Bankruptcy, Employment

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FREE CONSULTATION

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114 North 5th Street, Bardstown, KY 40004

Christy Jan Adams

Traffic, Estate, Divorce & Family Law, Bankruptcy

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200 South Buckman St., Shepherdsville, KY 40165

Julie Ann O'Bryan

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt, Personal Injury

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1717 Alliant Avenue, Louisville, KY 40299

LaShea Borden

Collection, Consumer Bankruptcy, Credit & Debt, Estate Administration

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1717 Alliant Avenue, Louisville, KY 40299

Dawn Lynne McCauley

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

Status: Licensed: 23 Years

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144 W Main St, Lebanon, KY 40033

Dawn Lynne Spalding

Bankruptcy, Business

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144 W Main St, Lebanon, KY 40033

Marilyn J. Neumann

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

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108 E 1St St, Campbellsville, KY 42718

Alexander G Shively

Bankruptcy, Real Estate, Commercial Real Estate, Credit & Debt

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207 E Broadway St, Campbellsville, KY 42719

Thomas Paten Shreve

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

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200 S Main St, Elizabethtown, KY 42701

Melody Casey-Aldridge

Child Custody, Contract, Bankruptcy, Slip & Fall Accident

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240 West Dixie Avenue, Elizabethtown, KY 42701

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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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 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.

Saint Francis Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Arlene Courtney Gray

Christy Jan Adams

Julie Ann O'Bryan

LaShea Borden

Dawn Lynne McCauley

Dawn Lynne Spalding

Marilyn J. Neumann

Alexander G Shively

Thomas Paten Shreve

Melody Casey-Aldridge

TIPS

LEGAL TERMS

CHAPTER 13 BANKRUPTCY

TRUTH IN LENDING ACT (TILA)

MEETING OF CREDITORS

NUISANCE FEES

DEBT COLLECTOR

GARNISHMENT

MEANS TEST

ABUSE

COLLATERAL

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