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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 W. McClain

Business Organization, Products Liability, Collection, Banking & Finance

Status:

FREE CONSULTATION

CONTACT

9720 Park Plaza Avenue, Louisville, KY 40241

Allison Elkins Cooper

General Practice

Status: Licensed: 10 Years

CONTACT

314 Marshall Drive, Louisville, KY 40207

John Saoirse Friend

Commercial Real Estate, Labor Law, Civil Rights, Collection, Estate Planning

Status:

CONTACT

6520 Glenridge Park Place, Louisville, KY 40222

Ben Tanner Lowry

Tax, Landlord-Tenant, Divorce & Family Law, Collection

Status: Licensed: 12 Years

CONTACT

8007 Lyndon Centre Way, Louisville, KY 40222

John R Benz

Landlord-Tenant, Collection, Wills & Probate, Corporate

Status:

CONTACT

9302 New Lagrange Road, Louisville, KY 40242

Ashley Ervin Abaray

Litigation, Workers' Compensation, Collection, Medical Malpractice

Status: Licensed: 10 Years

CONTACT

1448 Gardiner Lane, Louisville, KY 40213

Stiman Kelly Gilliam

Environmental Law Other, Employee Rights, Collection, Household Mold

Status:

CONTACT

3409 Cross Pointe Road, Louisville, KY 40241

Gregory Lee Davis

Environmental Law Other, Employee Rights, Collection, Household Mold

Status:

CONTACT

2203 River Road, Louisville, KY 40206

Rob Astorino

Insurance, Collection, Bankruptcy, Car Accident

Status:

CONTACT

2525 Bardstown Rd, Louisville, KY 40205

Micah Gale Guilfoil

Criminal, Family Law, Dispute Resolution, Collection

Status:

CONTACT

173 Sears Avenue, Louisville, KY 40207

800-814-6700

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LEGAL TERMS

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

FCBA

See Fair Credit Billing Act.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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Rolling Fields Collection Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Michael W. McClain

Allison Elkins Cooper

John Saoirse Friend

Ben Tanner Lowry

John R Benz

Ashley Ervin Abaray

Stiman Kelly Gilliam

Gregory Lee Davis

Rob Astorino

Micah Gale Guilfoil

TIPS

LEGAL TERMS

GUARANTOR

CHAPTER 13 BANKRUPTCY

PRIORITY DEBT

REAFFIRMATION

TRUTH IN LENDING ACT (TILA)

FCBA

NONDISCHARGEABLE DEBTS

CREDIT COUNSELING

MEANS TEST

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