Louisville Bankruptcy & Debt Lawyer, Kentucky, page 5

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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 Gary Shaikun

Other, Real Estate, Business, Bankruptcy

Status: In Good Standing

CONTACT

101 S 5Th St, Louisville, KY 40202

Jeffrey A Gorski

Health Care Other, Health Care, Divorce & Family Law, Bankruptcy

Status: In Good Standing

CONTACT

161 St. Matthews Avenue, Louisville, KY 40207

Alan Crider Stout

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

601 West Broadway, Louisville, KY 40202

Kenneth J. Henry

Accident & Injury, Divorce & Family Law, Bankruptcy, Civil & Human Rights, Education

Status: In Good Standing Licensed: 21 Years

FREE CONSULTATION

CONTACT

Henry & Associates, PLLC, Louisville, KY 40223

John E. Brengle

International Tax, Foreclosure, Bankruptcy, Divorce

Status: In Good Standing

CONTACT

3339 Taylorsville Road, Louisville, KY 40205

Anthony George Raluy

Public Finance, Wills, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

101 Bullitt Lane, Louisville, KY 40222

Richard Allen Vance

Real Estate, Civil Rights, Business, Bankruptcy

Status: In Good Standing

CONTACT

400 West Market Street, Louisville, KY 40202

Mark A. Robinson

Foreclosure, Litigation, Workout, Bankruptcy

Status: In Good Standing

CONTACT

2403 Northfield Ct, Louisville, KY 40222

Brian P. Curtis

Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

101 N 7Th St, Louisville, KY 40202

Charity Bird Neukomm

Bankruptcy

Status: In Good Standing

CONTACT

710 W Main Street, Louisville, KY 40202

800-923-0641

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

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.

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.

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.

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Louisville Bankruptcy & Debt Lawyer, Kentucky, page 5

Sponsored Law Firm

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

SPONSORED LAWYERS

Michael Gary Shaikun

Jeffrey A Gorski

Alan Crider Stout

Kenneth J. Henry

John E. Brengle

Anthony George Raluy

Richard Allen Vance

Mark A. Robinson

Brian P. Curtis

Charity Bird Neukomm

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

LIMITED LIABILITY

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

CREDIT BUREAU

SETOFF

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

CHAPTER 13 PLAN

CURRENT MONTHLY INCOME

NONDISCHARGEABLE DEBTS

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