Jeffersonville Collection 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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Emily H. Cowles

Corporate, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing

CONTACT

133 West Short Street, Lexington, KY 40507

Jessica Lee Newman

Foreclosure, Collection, Family Law, Estate Planning

Status: In Good Standing

CONTACT

208 Main Street, Irvine, KY 40336

Taylor James Stuckey

Commercial Real Estate, Estate Planning, Estate, Collection

Status: In Good Standing Licensed: 10 Years

CONTACT

250 W Main St, Lexington, KY 40507

Hilary Michael Jarvis

Civil Rights, Insurance, Collection, Products Liability

Status: In Good Standing

CONTACT

106 West Vine Street, Lexington, KY 40507

Stephanie R. Renner

Environmental Law Other, Employee Rights, Collection, Household Mold

Status: Inactive Licensed: 17 Years

CONTACT

250 West Main Street, Lexington, KY 40507

Curtis Matthew Graham

Litigation, Civil Rights, Business, Collection

Status: In Good Standing

CONTACT

300 West Vine Street, Lexington, KY 40507

Aziza Hanna Ashy

Accident & Injury, Insurance, Collection, Products Liability

Status: In Good Standing

CONTACT

300 West Vine Street, Lexington, KY 40507

Dustyn Bowman Jones

Health Care, Environmental Law Other, Collection, Household Mold

Status: In Good Standing

CONTACT

250 W Main St, Lexington, KY 40507

Jennifer Z Hoerner

General Practice

Status: In Good Standing

CONTACT

Lexington, KY 40588

Adam Michael Smith

Real Estate, Environmental Law Other, Employee Rights, Collection

Status: In Good Standing

CONTACT

250 W Main St, Lexington, KY 40507

800-923-0641

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LEGAL TERMS

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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Jeffersonville Collection Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Emily H. Cowles

Jessica Lee Newman

Taylor James Stuckey

Hilary Michael Jarvis

Stephanie R. Renner

Curtis Matthew Graham

Aziza Hanna Ashy

Dustyn Bowman Jones

Jennifer Z Hoerner

Adam Michael Smith

TIPS

LEGAL TERMS

ADMINISTRATIVE EXPENSES

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

AUTOMATIC STAY

CURRENT MONTHLY INCOME

GRACE PERIOD

GUARANTOR

SETOFF

CREDIT BUREAU

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

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