Owenton Bankruptcy Lawyer, Kentucky, page 4

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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

Wayne Thomas Bunch

Elder Law, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

271 W Short St, Lexington, KY 40507

Donald Markam Wakefield

Litigation, State & Local Agencies, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

333 West Vine Street, Lexington, KY 40507

Chrisandrea L Turner

Litigation, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

250 W Main St, Lexington, KY 40507

Gregory Duane Pavey

Litigation, Estate Planning, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

300 West Vine Street, Lexington, KY 40507

Stephen Paul Stoltz

Real Estate, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

201 W Short St, Lexington, KY 40507

John T Hamilton

Lawsuit & Dispute, Civil Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

201 W Short St, Lexington, KY 40507

Guy Milwee Graves

Real Estate, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

201 W Short St, Lexington, KY 40507

Dean A Langdon

Litigation, Credit & Debt, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

200 N Upper St, Lexington, KY 40507

Adam Mastin Back

Litigation, Estate Planning, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

300 W Vine St, Lexington, KY 40507

Hugh Derek Hall

Accident & Injury, Bankruptcy, Estate, Lawsuit & Dispute, Real Estate

Status: In Good Standing

CONTACT

326 South Broadway, Lexington, KY 40508

800-923-0641

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LEGAL TERMS

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

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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Owenton Bankruptcy Lawyer, Kentucky, page 4

Sponsored Law Firm

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

SPONSORED LAWYERS

Wayne Thomas Bunch

Donald Markam Wakefield

Chrisandrea L Turner

Gregory Duane Pavey

Stephen Paul Stoltz

John T Hamilton

Guy Milwee Graves

Dean A Langdon

Adam Mastin Back

Hugh Derek Hall

TIPS

LEGAL TERMS

UNDUE HARDSHIP

DEBT COLLECTOR

IRS EXPENSES

CHAPTER 13 PLAN

COSIGNER

FORBEARANCE

COLLECTION AGENCY

DISCHARGE (OF DEBTS)

PRESUMED ABUSE

SAMPLE LEGAL CASES

MPM Financial Group, Inc. v. Morton

Wilson v. Paine

Kentucky Bar Ass'n v. Leadingham

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