Mc Kinney Bankruptcy & Debt Lawyer, Kentucky, page 2

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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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Jane Adams Venters

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

Status: In Good Standing

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506 North Main Street, Somerset, KY 42501

Brian Thomas Reed

Bankruptcy, Divorce, Criminal, Child Custody, Insurance

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Berea, KY 40403

Kimberly Ross Taylor

Bankruptcy

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140 Wildcat Dr, Richmond, KY 40475

Dawn Lynne Spalding

Bankruptcy, Business

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144 W Main St, Lebanon, KY 40033

Mark Leon Zoolalian

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

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400 South Main St, Nicholasville, KY 40356

Susan Baker Martin

Workout, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

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246 W Main St, Richmond, KY 40475

Mark Thomas Miller

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

Status: In Good Standing

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300 W Maple St, Nicholasville, KY 40356

Daniel Vincent Smith

Real Estate, Divorce & Family Law, Business, Credit & Debt

Status: In Good Standing

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114 N. 2Nd Street, Richmond, KY 40475

Daniel Vincent Smith

Divorce, Divorce & Family Law, Consumer Protection, Credit & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

114 N. 2Nd Street, Richmond, KY 40475

Christopher L Stansbury

Property Damage, Bankruptcy

Status: In Good Standing

CONTACT

213 S Main St, Nicholasville, KY 40356

800-923-0641

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LEGAL TERMS

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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).

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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.

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).

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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Mc Kinney Bankruptcy & Debt Lawyer, Kentucky, page 2

Sponsored Law Firm

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

SPONSORED LAWYERS

Jane Adams Venters

Brian Thomas Reed

Kimberly Ross Taylor

Dawn Lynne Spalding

Mark Leon Zoolalian

Susan Baker Martin

Mark Thomas Miller

Daniel Vincent Smith

Daniel Vincent Smith

Christopher L Stansbury

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LEGAL TERMS

BANKRUPTCY

CREDIT REPORT

ACCORD AND SATISFACTION

DEBT COLLECTOR

PRESUMED ABUSE

ABUSE

WORKOUT

LIEN

IRS EXPENSES

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