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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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Claude Ray Bowles

Electronic Commerce, Health Care Other, Business, Bankruptcy

Status: In Good Standing

CONTACT

101 S 5th St, Louisville, KY 40202

Keith Allen Stonecipher

Corporate, Bankruptcy, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

Louisville, KY 40250

Katherine A Bell

Real Estate, Environmental Law Other, Collection, Bankruptcy

Status: In Good Standing

CONTACT

400 W Market St, Louisville, KY 40202

William W Lawrence

Trusts, Civil Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

200 S 7Th St, Louisville, KY 40202

Charles Lee Sydenstricker

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

200 S 7Th St, Louisville, KY 40202

Jan C Morris

Bankruptcy & Debt, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing

CONTACT

125 S 6Th St, Louisville, KY 40202

William Robins Beard

Environmental Law Other, Business, Collection, Bankruptcy

Status: In Good Standing

CONTACT

400 W. Market Street, Louisville, KY 40202

W Robinson Beard

Environmental Law Other, Business & Trade, Collection, Bankruptcy

Status: In Good Standing

CONTACT

400 W Market St, Louisville, KY 40202

Amy Elizabeth Gardner

Real Estate, Immigration, Wills & Probate, Bankruptcy

Status: In Good Standing

CONTACT

401 S 4Th St, Louisville, KY 40202

Philip Christopher Wiley

Bankruptcy, Real Estate, Credit & Debt, Commercial Real Estate

Status: In Good Standing

CONTACT

401 South Fourth St, Louisville, KY 40202

800-923-0641

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LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

CREDIT FILE

See credit report.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

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.

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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

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Masonic Home Bankruptcy & Debt Lawyer, Kentucky, page 5

Sponsored Law Firm

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

SPONSORED LAWYERS

Claude Ray Bowles

Keith Allen Stonecipher

Katherine A Bell

William W Lawrence

Charles Lee Sydenstricker

Jan C Morris

William Robins Beard

W Robinson Beard

Amy Elizabeth Gardner

Philip Christopher Wiley

TIPS

LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CREDIT FILE

PREFERENCE

SECURED DEBT

TRUTH IN LENDING ACT (TILA)

DISPOSABLE INCOME

GARNISHMENT

CREDIT REPORT

UNSECURED DEBT

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