Warsaw Bankruptcy & Debt Lawyer, Kentucky, page 3

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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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Claude Joseph Victor

General Practice

Status: In Good Standing

CONTACT

6601 Dixie Hwy, Florence, KY 41042

Colleen Marie Hegge

General Practice

Status: In Good Standing

CONTACT

11581 Big Bone Road, Union, KY 41091

Crystal Lynn Saresky

Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

7900 Tanners Gate Lane, Florence, KY 41042

Crystal Lynn Saresky

Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

7900 Tanners Gate Lane, Florence, KY 41042

Curtis Harlan Hatfield

General Practice

Status: In Good Standing

CONTACT

Union, KY 41091

Cynthia Rowell Clausen

Bankruptcy & Debt, Family Law, Divorce & Family Law

Status: In Good Standing

CONTACT

6900 Houston Rd, Florence, KY 41042

Daniel Aaron Hunt

Litigation, Electronic Commerce, Business, Collection

Status: In Good Standing

CONTACT

541 Buttermilk Pike, Ft Mitchell, KY 41017

Daniel J. Urbon

Workers' Compensation, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

1730 Promontory Dr, Florence, KY 41042

Daniel J Urbon

Workers' Compensation, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

1730 Promontory Dr, Florence, KY 41042

Daniel J Urbon

Workers' Compensation, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing

CONTACT

1730 Promontory Dr, Florence, KY 41042

800-923-0641

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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.

FDCPA

See Fair Debt Collections & Practices Act.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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Warsaw Bankruptcy & Debt Lawyer, Kentucky, page 3

Sponsored Law Firm

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

SPONSORED LAWYERS

Claude Joseph Victor

Colleen Marie Hegge

Crystal Lynn Saresky

Crystal Lynn Saresky

Curtis Harlan Hatfield

Cynthia Rowell Clausen

Daniel Aaron Hunt

Daniel J. Urbon

Daniel J Urbon

Daniel J Urbon

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LEGAL TERMS

GUARANTOR

FDCPA

CHAPTER 13 PLAN

SETOFF

401(K) PLAN

COLLECTION AGENCY

BULK SALES LAW

TRUTH IN LENDING ACT (TILA)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

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