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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

Arlene Courtney Gray

Bankruptcy, Corporate, Collection, Consumer Bankruptcy, Employment

Status: In Good Standing

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114 North 5th Street, Bardstown, KY 40004

Christy Jan Adams

Traffic, Estate, Divorce & Family Law, Bankruptcy

Status: In Good Standing

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200 South Buckman St., Shepherdsville, KY 40165

LaShea Borden

Collection, Consumer Bankruptcy, Credit & Debt, Estate Administration

Status: In Good Standing

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1717 Alliant Avenue, Louisville, KY 40299

Dawn Lynne Spalding

Bankruptcy, Business

Status: In Good Standing

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144 W Main St, Lebanon, KY 40033

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

Thomas Paten Shreve

Criminal, Bankruptcy, Bankruptcy & Debt, Credit & Debt, Personal Injury

Status: In Good Standing

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200 S Main St, Elizabethtown, KY 42701

Melody Casey-Aldridge

Child Custody, Contract, Bankruptcy, Slip & Fall Accident

Status: In Good Standing

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240 West Dixie Avenue, Elizabethtown, KY 42701

Joseph Scott Wantland

Estate Planning, Family Law, Divorce, Bankruptcy

Status: In Good Standing

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319 S. Buckman Street, Shepherdsville, KY 40165

Joseph J Wantland

Mass Torts, Estate Planning, Divorce, Bankruptcy

Status: In Good Standing

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319 S. Buckman Street, Shepherdsville, KY 40165

800-923-0641

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LEGAL TERMS

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.

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.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

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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Saint Francis Bankruptcy Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Arlene Courtney Gray

Christy Jan Adams

LaShea Borden

Dawn Lynne Spalding

Marilyn J. Neumann

Alexander G Shively

Thomas Paten Shreve

Melody Casey-Aldridge

Joseph Scott Wantland

Joseph J Wantland

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

CHAPTER 13 BANKRUPTCY

CREDIT BUREAU

NONEXEMPT PROPERTY

REPOSSESSION

PRESUMED ABUSE

401(K) PLAN

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

ADMINISTRATIVE EXPENSES

SAMPLE LEGAL CASES

MPM Financial Group, Inc. v. Morton

Wilson v. Paine

Kentucky Bar Ass'n v. Leadingham

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