Kentucky uses a point system to asses traffic offense, like speeding and reckless driving. A traffic violation can result in points being assessed against a person’s license. The number of points on a person’s license can affect how much that person will pay for insurance.
Most crimes in Kentucky require a prosecutor to prove the Defendant had the correct mental state to commit the crime, which is commonly intentional, wanton, reckless, and negligent. There are crimes that do not require a mental state, those are call strict liability. Strict Liability means that if you do the required guilty act them you have completed the crime in Kentucky
Debt negotiation or settlement can have a negative impact on your credit score, at least temporarily. There are options that allow a person to negotiate their debt and have no negative impact on their credit score.
Debt negotiation is the process of contacting your creditors and making arrangements to pay less than the amount you owe on a debt. When a creditor accepts less than what you owe them, it's called a settlement.