Dunnville Bankruptcy & Debt 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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D. Bruce Orwin

Construction, Wills, Corporate, Bankruptcy

Status: In Good Standing

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116 North Main Street, Somerset, KY 42502

Marcus Lee Vanover

Adoption, Bankruptcy, Corporate, Business Organization

Status: In Good Standing

FREE CONSULTATION

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48 Public Square, Somerset, KY 42501

David Fayette Smith

Other, Real Estate, Trusts, Bankruptcy

Status: In Good Standing

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350 Main Street, Russell Springs, KY 42642

Marilyn J. Neumann

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

Status: In Good Standing

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108 E 1St St, Campbellsville, KY 42718

Alexander G Shively

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

Status: In Good Standing

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207 E Broadway St, Campbellsville, KY 42719

Jeffrey Hoehler

Social Security -- Disability, Workers' Compensation, Bankruptcy, Personal Injury

Status: In Good Standing

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157 N. Main Street, Monticello, KY 42633

Jane Adams Venters

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

Status: In Good Standing

CONTACT

506 North Main Street, Somerset, KY 42501

Gordon T Germain

Education, Real Estate, Bankruptcy, Car Accident

Status: In Good Standing

CONTACT

43 W Columbia Ave, Monticello, KY 42633

Dawn Lynne McCauley

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

Status: In Good Standing Licensed: 22 Years

CONTACT

144 W Main St, Lebanon, KY 40033

Jeffrey Hoehler

Personal Injury, Bankruptcy, Workers' Compensation, Collection

Status: In Good Standing

FREE CONSULTATION

CONTACT

157 N. Main St., Monticello, KY 42633

800-923-0641

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LEGAL TERMS

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.

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.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

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Dunnville Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

D. Bruce Orwin

Marcus Lee Vanover

David Fayette Smith

Marilyn J. Neumann

Alexander G Shively

Jeffrey Hoehler

Jane Adams Venters

Gordon T Germain

Dawn Lynne McCauley

Jeffrey Hoehler

TIPS

LEGAL TERMS

PRESUMED ABUSE

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

TOXIC TORT

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

SOLE PROPRIETORSHIP

GARNISHMENT

LIQUIDATING PARTNER

FAIR CREDIT REPORTING ACT (FCRA)

SECRET WARRANTY PROGRAM

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