Junction City 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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D. Bruce Orwin

Construction, Wills, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

116 North Main Street, Somerset, KY 42502

W. Thomas Bunch

Bankruptcy, Business Organization, Estate Administration, Litigation

Status: In Good Standing

CONTACT

271 West Short Street, Lexington, KY 40507

W. Thomas Bunch

Bankruptcy, Business Organization, Litigation

Status: In Good Standing

CONTACT

271 West Short Street, Lexington, KY 40507

Emily H. Cowles

Corporate, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing

CONTACT

133 West Short Street, Lexington, KY 40507

Tyler Powell

Corporate, Bankruptcy

Status: In Good Standing

CONTACT

133 West Short Street, Lexington, KY 40507

Arlene Courtney Gray

Bankruptcy, Corporate, Collection, Consumer Bankruptcy, Employment

Status: In Good Standing

FREE CONSULTATION

CONTACT

114 North 5th Street, Bardstown, KY 40004

Kimberly Ross Taylor

Bankruptcy

Status: In Good Standing

CONTACT

2240 Executive Drive, Lexington, KY 40505

Charla R. Sands

Bankruptcy

Status: In Good Standing

CONTACT

2240 Executive Drive, Lexington, KY 40505

Marcus Lee Vanover

Adoption, Bankruptcy, Corporate, Business Organization

Status: In Good Standing

FREE CONSULTATION

CONTACT

48 Public Square, Somerset, KY 42501

J James Rogan

Bankruptcy

Status: Inactive

CONTACT

3015 Gentry Lane, Danville, KY 40422

800-923-0641

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LEGAL TERMS

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.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

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.

CCCS

See Consumer Credit Counseling Service.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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Junction City Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

D. Bruce Orwin

W. Thomas Bunch

W. Thomas Bunch

Emily H. Cowles

Tyler Powell

Arlene Courtney Gray

Kimberly Ross Taylor

Charla R. Sands

Marcus Lee Vanover

J James Rogan

TIPS

LEGAL TERMS

CHAPTER 7 BANKRUPTCY

NONDISCHARGEABLE DEBTS

UNSECURED DEBT

DOING BUSINESS AS (DBA)

TRUTH IN LENDING ACT (TILA)

CCCS

GARNISHMENT

FAIR CREDIT BILLING ACT (FCBA)

SOLE PROPRIETORSHIP

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