Dawson Springs 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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Tonya H Fleming

Bankruptcy

Status: In Good Standing

CONTACT

184 Poole Mill Rd, Crofton, KY 42217

Jarrod H Jackson

Government, Divorce & Family Law, Criminal, Bankruptcy & Debt, DUI-DWI

Status: In Good Standing

CONTACT

209 North Mcnary Street, Princeton, KY 42445

Douglas Alan Ramey

General Practice

Status: In Good Standing

CONTACT

36 Union St, Madisonville, KY 42431

Chesley W Riddle

Commercial Real Estate, Collection, Personal Injury, Credit & Debt

Status: In Good Standing

CONTACT

220 N Main Street, Madisonville, KY 42431

Tonya Hightowe Fleming

Employment, Bankruptcy, Workers' Compensation, Mediation

Status: In Good Standing

CONTACT

Crofton, KY 42217

Maurice Reeves Little

Bankruptcy, Bankruptcy & Debt, Other

Status: In Good Standing

CONTACT

1917 Versnick Drive, Madisonville, KY 42431

Taylor C Evans

General Practice

Status: In Good Standing

CONTACT

Madisonville, KY 42431

Bobby D. Murray

General Practice

Status: In Good Standing

CONTACT

100 N. Broadway, Providence, KY 42450

David E Arvin

Real Estate, Energy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

Hopkinsville, KY 42241

Lee Mabry Harton

Labor Law, Elder Law, Corporate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

Hopkinsville, KY 42241

800-923-0641

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LEGAL TERMS

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

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.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

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Dawson Springs Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Tonya H Fleming

Jarrod H Jackson

Douglas Alan Ramey

Chesley W Riddle

Tonya Hightowe Fleming

Maurice Reeves Little

Taylor C Evans

Bobby D. Murray

David E Arvin

Lee Mabry Harton

TIPS

LEGAL TERMS

DISPOSABLE INCOME

IRS EXPENSES

CREDIT FILE

MEETING OF CREDITORS

DISCHARGEABLE DEBTS

COLLECTION AGENCY

REAFFIRMATION

COLLATERAL

FAIR CREDIT REPORTING ACT (FCRA)

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