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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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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Frank Anthony Brancato

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

Status: In Good Standing

CONTACT

111 W. 2Nd Street, Owensboro, KY 42303

Steven Dale Wilson

Government, Bankruptcy, Bankruptcy & Debt, Personal Injury

Status: In Good Standing

CONTACT

111 W 2Nd St, Owensboro, KY 42303

R Michael Sullivan

Banking & Finance, Bankruptcy, Business, Employment

Status: In Good Standing

CONTACT

100 Saint Ann St, Owensboro, KY 42303

Rhonda Evon Taylor

Child Custody, Criminal, Bankruptcy, Divorce & Family Law

Status: In Good Standing

CONTACT

3600 Bordeaux Loop North, Owensboro, KY 42303

Cheryl L Newberry

Bankruptcy, Bankruptcy & Debt, Labor Law, Family Law

Status: In Good Standing

CONTACT

Owensboro, KY 42302

Stephen C Pace

Real Estate, Trusts, Estate, Bankruptcy

Status: In Good Standing

CONTACT

221 W 2Nd St, Owensboro, KY 42303

Septtimous Taylor

Real Estate, Bankruptcy, Bankruptcy & Debt, Civil Rights

Status: In Good Standing

CONTACT

4830 Towne Square Ct, Owensboro, KY 42301

Septtimous Taylor

Real Estate, Bankruptcy, Bankruptcy & Debt, Civil Rights

Status: In Good Standing

CONTACT

4830 Towne Square Ct, Owensboro, KY 42301

Septtimous Taylor

Real Estate, Bankruptcy, Bankruptcy & Debt, Civil Rights

Status: In Good Standing Licensed: 46 Years

CONTACT

4830 Towne Square Ct, Owensboro, KY 42301

Septtimous Taylor

Real Estate, Bankruptcy, Bankruptcy & Debt, Corporate

Status: In Good Standing Licensed: 46 Years

CONTACT

4830 Towne Square Ct, Owensboro, KY 42301

800-923-0641

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LEGAL TERMS

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.

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.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your 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.

COLLATERAL

Property that guarantees payment of a secured debt.

SAMPLE LEGAL CASES

MPM Financial Group, Inc. v. Morton

... This case is before this Court on a grant of discretionary review to determine whether KRS 427.170, which incorporates by reference the federal bankruptcy exemptions of 11 USC Â§ 522(d), applies only to debtors in bankruptcy proceedings, or whether it renders those ...

Wilson v. Paine

... Opinion of the Court by Justice CUNNINGHAM. Pursuant to CR 76.37(1), this Court granted the certification request of the United States Bankruptcy Court for the 286 Western District of Kentucky to answer the following question of Kentucky law: ...

Kentucky Bar Ass'n v. Leadingham

... Allen Walker. Michael and Leigh Ann Perdue. 12. Michael and Leigh Ann Perdue hired the Respondent to represent their interests in a bankruptcy action in June, 2003. The Respondent quoted a fee of $800 for the case. On or ...

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Lewisport Bankruptcy Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Frank Anthony Brancato

Steven Dale Wilson

R Michael Sullivan

Rhonda Evon Taylor

Cheryl L Newberry

Stephen C Pace

Septtimous Taylor

Septtimous Taylor

Septtimous Taylor

Septtimous Taylor

TIPS

LEGAL TERMS

COSIGNER

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CURRENT MONTHLY INCOME

CREDIT BUREAU

REPOSSESSION

NONDISCHARGEABLE DEBTS

MEETING OF CREDITORS

WORKOUT

COLLATERAL

SAMPLE LEGAL CASES

MPM Financial Group, Inc. v. Morton

Wilson v. Paine

Kentucky Bar Ass'n v. Leadingham

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