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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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Holly Brown Powell

Estate Planning, Employee Rights, Business, Bankruptcy

Status: In Good Standing

CONTACT

201 Woodridge Drive, Nicholasville, KY 40356

Richard Miles Hopgood

Patent, Estate Planning, Employee Rights, Bankruptcy

Status: In Good Standing Licensed: 42 Years

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104 Clubhouse Drive, Nicholasville, KY 40356

Richard Miles Hopgood

Patent, Estate Planning, Employee Rights, Bankruptcy

Status: In Good Standing

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104 Clubhouse Drive, Nicholasville, KY 40356

Heather Marie Tackett

Collection

Status: In Good Standing

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209 Oakmont Dr, Nicholasville, KY 40356

Gregory Adam Napier

Business, Consumer Bankruptcy, Business Organization, Corporate

Status: In Good Standing

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4740 Firebrook Blvd, Lexington, KY 40513

Michael Wayne Troutman

Family Law, Criminal, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

4740 Firebrook Blvd, Lexington, KY 40513

Mark Alan Bubenzer

Criminal, Bankruptcy, Bankruptcy & Debt, Credit & Debt

Status: In Good Standing

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3828 Aria Lane, Lexington, KY 40514

Michael Allen Hamilton

General Practice

Status: In Good Standing Licensed: 22 Years

CONTACT

1067 N Main St, Nicholasville, KY 40356

Bradford Alan Nilsson

General Practice

Status: In Good Standing

CONTACT

671 Longwood Rd, Lexington, KY 40503

Mark Thomas Miller

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

Status: In Good Standing

CONTACT

300 W Maple St, Nicholasville, KY 40356

800-923-0641

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LEGAL TERMS

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

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.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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Keene Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Holly Brown Powell

Richard Miles Hopgood

Richard Miles Hopgood

Heather Marie Tackett

Gregory Adam Napier

Michael Wayne Troutman

Mark Alan Bubenzer

Michael Allen Hamilton

Bradford Alan Nilsson

Mark Thomas Miller

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LEGAL TERMS

WORKOUT

DEBT COLLECTOR

LIEN

PRESUMED ABUSE

CURRENT MONTHLY INCOME

UNSECURED DEBT

DEFINED CONTRIBUTION PLAN

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

UNDUE HARDSHIP

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