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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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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

Allyson TRUE Cook

Real Estate, Environmental Law Other, Collection

Status: In Good Standing

CONTACT

100 E Rivercenter Blvd, Covington, KY 41011

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

Daniel Aaron Hunt

Litigation, Electronic Commerce, Business, Collection

Status: In Good Standing

CONTACT

541 Buttermilk Pike, Ft Mitchell, KY 41017

Edward John Buechel

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

Status: In Good Standing

CONTACT

182 Barnwood Drive, Ft Mitchell, KY 41017

Eric Richard Schlinger

Child Custody, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

27 Lucerne Ave, 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

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

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

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Verona Collection Lawyer, Kentucky

Sponsored Law Firm

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

SPONSORED LAWYERS

Aaron Richard Klein

Allyson TRUE Cook

Brenna Lynn Penrose

Brenna Lynn Kelly Penrose

Daniel Aaron Hunt

Edward John Buechel

Eric Richard Schlinger

J. Eric Rottinghaus

Joseph Michael Ruwe

Matthew Attef Mikhail

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LEGAL TERMS

MEANS TEST

S CORPORATION

CREDITOR

FAIR CREDIT REPORTING ACT (FCRA)

GRACE PERIOD

FRATERNAL BENEFIT SOCIETY BENEFITS

WORKOUT

CHAPTER 7 BANKRUPTCY

PRIORITY DEBT

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