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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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Brenna Lynn Penrose

Litigation, Federal Appellate Practice, Family Law, Collection, Civil Rights

Status: In Good Standing Licensed: 20 Years

CONTACT

10 Dell Ct, Florence, KY 41042

Brenna Lynn Kelly Penrose

Litigation, Federal Appellate Practice, Family Law, Collection, Civil Rights

Status: In Good Standing

CONTACT

10 Dell Ct, Florence, KY 41042

Aaron Richard Klein

Environmental Law Other, Employee Rights, Collection, Household Mold

Status: In Good Standing Licensed: 9 Years

CONTACT

600 Meijer Drive, Florence, KY 41042

Edward John Buechel

Lawsuit & Dispute, Trusts, Estate Planning, Business, Collection

Status: In Good Standing

CONTACT

182 Barnwood Drive, Ft Mitchell, KY 41017

J. Eric Rottinghaus

Civil Rights, Insurance, Business, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

25 Town Center Boulevard, Ft Mitchell, KY 41017

Paul R. Markgraf

Wills & Probate, Estate, Corporate, Collection

Status: In Good Standing

CONTACT

Ft Mitchell, KY 41017

Eric Richard Schlinger

Child Custody, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

27 Lucerne Ave, Ft Mitchell, KY 41017

Daniel Aaron Hunt

Litigation, Electronic Commerce, Business, Collection

Status: In Good Standing

CONTACT

541 Buttermilk Pike, Ft Mitchell, KY 41017

Joseph Michael Ruwe

Litigation, Electronic Commerce, Banking & Finance, Collection

Status: In Good Standing

CONTACT

28 Overlook Circle, Newport, KY 41076

Matthew Attef Mikhail

Litigation, Civil Rights, Corporate, Collection

Status: In Good Standing Licensed: 12 Years

CONTACT

1037 Wald Ct, Covington, KY 41011

800-923-0641

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LEGAL TERMS

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

CCCS

See Consumer Credit Counseling Service.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

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Verona Collection Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Brenna Lynn Penrose

Brenna Lynn Kelly Penrose

Aaron Richard Klein

Edward John Buechel

J. Eric Rottinghaus

Paul R. Markgraf

Eric Richard Schlinger

Daniel Aaron Hunt

Joseph Michael Ruwe

Matthew Attef Mikhail

TIPS

LEGAL TERMS

DISPOSABLE INCOME

LIABILITY

CCCS

GRACE PERIOD

IRS EXPENSES

COLLATERAL

INTEREST

FAIR CREDIT REPORTING ACT (FCRA)

WORKOUT

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