Versailles Bankruptcy Lawyer, Kentucky, page 5

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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

John Edward Hinkel

Dispute Resolution, Lawsuit & Dispute, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

621 Centennial Lane, Lexington, KY 40502

Misty Kathryn Nall

Family Law, Child Custody, Dissolution, Child Support

Status: In Good Standing

CONTACT

Lexington, KY 40588

Beverly M Burden

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

Lexington, KY 40588

Cheryl Edwards James

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

Lexington, KY 40588

Robert Santen Ryan

Real Estate, Dispute Resolution, Business, Bankruptcy

Status: In Good Standing

CONTACT

250 W Main St, Lexington, KY 40507

Ellen Arvin Kennedy

Energy, Industry Specialties, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

100 W Main St, Lexington, KY 40507

Robert Ristaino

Corporate, Business Organization, Administrative Law, Bankruptcy

Status: In Good Standing Licensed: 55 Years

CONTACT

3543 Tates Creek Road, Lexington, KY 40517

Ellen McCoy Sharp

Commercial Real Estate, Litigation, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

250 W Main St, Lexington, KY 40507

Daniel Isaac Waxman

Equine, Natural Resources, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

200 N Upper St, Lexington, KY 40507

Tanya Marie Richardson

Bankruptcy Litigation, Credit & Debt, Litigation

Status: In Good Standing Licensed: 14 Years

CONTACT

301 E Main St, Lexington, KY 40507

800-923-0641

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LEGAL TERMS

CREDIT FILE

See credit report.

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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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Versailles Bankruptcy Lawyer, Kentucky, page 5

Sponsored Law Firm

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

SPONSORED LAWYERS

John Edward Hinkel

Misty Kathryn Nall

Beverly M Burden

Cheryl Edwards James

Robert Santen Ryan

Ellen Arvin Kennedy

Robert Ristaino

Ellen McCoy Sharp

Daniel Isaac Waxman

Tanya Marie Richardson

TIPS

LEGAL TERMS

CREDIT FILE

ADMINISTRATIVE EXPENSES

PREFERENCE

LOSS DAMAGE WAIVER (LDW)

GRACE PERIOD

FAIR CREDIT BILLING ACT (FCBA)

SECURED DEBT

BANKRUPTCY TRUSTEE

CREDIT INSURANCE

SAMPLE LEGAL CASES

MPM Financial Group, Inc. v. Morton

Wilson v. Paine

Kentucky Bar Ass'n v. Leadingham

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