Orchard Grass Hills Collection 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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Michael W. McClain

Business Organization, Products Liability, Collection, Banking & Finance

Status: In Good Standing

FREE CONSULTATION

CONTACT

9720 Park Plaza Avenue, Louisville, KY 40241

Natalie L. Kaelin

Administrative Law, Corporate, Collection, Construction

Status: In Good Standing

FREE CONSULTATION

CONTACT

11414 Main Street, Louisville, KY 40243

Mervin Wayne Warren

Collection, Litigation

Status: In Good Standing

CONTACT

2700 Stanley Gault Parkway, Louisville, KY 40223

Molly E. Rose

Collection, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 24 Years

CONTACT

2202 Whisperwood Dr., Prospect, KY 40059

Courtney Elizabeth Carr

Collection, Litigation

Status: In Good Standing Licensed: 11 Years

CONTACT

Louisville, KY 40223

David Clifton Travis

Corporate, Personal Injury, Collection, Estate Planning

Status: In Good Standing

CONTACT

11507 Main Street, Louisville, KY 40243

Courtney Tigue Baxter

Criminal, Insurance, Collection, Accident & Injury

Status: In Good Standing

CONTACT

115 West Main Street, La Grange, KY 40031

John R Benz

Landlord-Tenant, Collection, Wills & Probate, Corporate

Status: In Good Standing

CONTACT

9302 New Lagrange Road, Louisville, KY 40242

Charles F. Merz

Construction, Corporate, Administrative Law, Collection

Status: In Good Standing Licensed: 40 Years

CONTACT

2817 Murray Hill Pike, Louisville, KY 40242

Stiman Kelly Gilliam

Environmental Law Other, Employee Rights, Collection, Household Mold

Status: In Good Standing Licensed: 14 Years

CONTACT

3409 Cross Pointe Road, Louisville, KY 40241

800-923-0641

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LEGAL TERMS

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

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.

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.

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.'

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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Orchard Grass Hills Collection Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Michael W. McClain

Natalie L. Kaelin

Mervin Wayne Warren

Molly E. Rose

Courtney Elizabeth Carr

David Clifton Travis

Courtney Tigue Baxter

John R Benz

Charles F. Merz

Stiman Kelly Gilliam

TIPS

LEGAL TERMS

GUARANTOR

S CORPORATION

CHAPTER 13 PLAN

TRUTH IN LENDING ACT (TILA)

CREDIT COUNSELING

DISPOSABLE INCOME

LOSS DAMAGE WAIVER (LDW)

MEANS TEST

CURRENT MONTHLY INCOME

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