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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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Charles Wayne Hancock

General Practice

Status: In Good Standing

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263 Old Harold Road, Harold, KY 41635

Clyde Combs

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643 Left Beaver Rd, Martin, KY 41649

Gregory Arthur Isaac

Estate Planning, Natural Resources, Corporate, Credit & Debt

Status: In Good Standing

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256 Irene St, Prestonsburg, KY 41653

Helena Racin Jackson

General Practice

Status: In Good Standing Licensed: 20 Years

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162 Quail Walk, Pikeville, KY 41501

Helena Racin Jackson

General Practice

Status: In Good Standing

CONTACT

162 Quail Walk, Pikeville, KY 41501

Barry Revis Hamilton

Corporate, Bankruptcy, Products Liability, Civil Rights

Status: In Good Standing Licensed: 8 Years

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132 South Lake Drive, Prestonsburg, KY 41653

Paul Franklin Heaberlin

Bankruptcy & Debt, Bankruptcy

Status: In Good Standing

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119 East Court St, Prestonsburg, KY 41653

James D Adams

General Practice

Status: In Good Standing

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140 South Lake Drive, Prestonsburg, KY 41653

Eugene Sisco

General Practice

Status: In Good Standing

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2596 Island Creek Rd, Pikeville, KY 41501

Ira Edsel Branham

Accident & Injury, Car Accident, Credit & Debt, Medical Malpractice, Workers' Compensation

Status: In Good Standing

CONTACT

Pikeville, KY 41502

800-923-0641

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LEGAL TERMS

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

FCBA

See Fair Credit Billing Act.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

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.

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.

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Banner Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Charles Wayne Hancock

Clyde Combs

Gregory Arthur Isaac

Helena Racin Jackson

Helena Racin Jackson

Barry Revis Hamilton

Paul Franklin Heaberlin

James D Adams

Eugene Sisco

Ira Edsel Branham

TIPS

LEGAL TERMS

REDEMPTION

CHAPTER 7 BANKRUPTCY

FCBA

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

REPOSSESSION

GRACE PERIOD

UNSECURED DEBT

ACCORD AND SATISFACTION

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

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