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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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Adam Gregory Zeroogian

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

Status: In Good Standing

CONTACT

114 N Main St, Nicholasville, KY 40356

Adam Gregory Zeroogian

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

Status: Inactive Licensed: 32 Years

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116 North Main Street, Nicholasville, KY 40356

Bradford Alan Nilsson

General Practice

Status: In Good Standing

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671 Longwood Rd, Lexington, KY 40503

Christopher L Stansbury

Property Damage, Bankruptcy

Status: In Good Standing

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213 S Main St, Nicholasville, KY 40356

Constance G Grayson

Consumer Bankruptcy, Bankruptcy Litigation, Credit & Debt

Status: In Good Standing

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125 S Main St, Nicholasville, KY 40356

Crystal D Friend

General Practice

Status: In Good Standing

CONTACT

Versailles, KY 40383

Crystal D Friend

General Practice

Status: In Good Standing

CONTACT

Versailles, KY 40383

Gregory Adam Napier

Business, Consumer Bankruptcy, Business Organization, Corporate

Status: In Good Standing

CONTACT

4740 Firebrook Blvd, Lexington, KY 40513

Heather Marie Tackett

Collection

Status: In Good Standing

CONTACT

209 Oakmont Dr, Nicholasville, KY 40356

Henry Evans Smith

General Practice

Status: In Good Standing

CONTACT

201 S Main St, Nicholasville, KY 40356

800-923-0641

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LEGAL TERMS

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

NONPROFIT CORPORATION

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or f... (more...)

A legal structure authorized by state law allowing people to come together to either benefit members of an organization (a club, or mutual benefit society) or for some public purpose (such as a hospital, environmental organization or literary society). Nonprofit corporations, despite the name, can make a profit, but the business cannot be designed primarily for profit-making purposes, and the profits must be used for the benefit of the organization or purpose the corporation was created to help. When a nonprofit corporation dissolves, any remaining assets must be distributed to another nonprofit, not to board members. As with for-profit corporations, directors of nonprofit corporations are normally shielded from personal liability for the organization's debts. Some nonprofit corporations qualify for a federal tax exemption under _ 501(c)(3) of the Internal Revenue Code, with the result that contributions to the nonprofit are tax deductible by their donors.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

FCRA

See Fair Credit Reporting Act.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

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Keene Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Adam Gregory Zeroogian

Adam Gregory Zeroogian

Bradford Alan Nilsson

Christopher L Stansbury

Constance G Grayson

Crystal D Friend

Crystal D Friend

Gregory Adam Napier

Heather Marie Tackett

Henry Evans Smith

TIPS

LEGAL TERMS

FRATERNAL BENEFIT SOCIETY BENEFITS

NONPROFIT CORPORATION

CREDIT COUNSELING

FAIR CREDIT BILLING ACT (FCBA)

SECRET WARRANTY PROGRAM

SECURED DEBT

FCRA

LOSS DAMAGE WAIVER (LDW)

PRESUMED ABUSE

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