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Justine Koehle
About | Practice Areas
Leavy Schultz Davis, P.S.
2415 W Falls Ave Kennewick, WA 99336» view map
Bankruptcy & Debt
Serving your legal needs since 1947

Leavy Schultz Davis is one of the Mid-Columbia’s longest standing law firms serving Eastern Washington, Kennewick, Richland, Pasco, and the greater Tri-Cities area.

509-736-1330
1. Justine Koehle Kennewick, WA
  Attorney at Law- WA, 2017
  University of Kansas School of Law, J.D. 2017
2. AboutLeavy Schultz Davis, P.S.
  Serving your legal needs since 1947
3. Practice AreasExpertise
  Bankruptcy & Debt
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Kimberly J. Thomas

International Tax, Estate Planning, Business & Trade, Commercial Bankruptcy

Status: In Good Standing Licensed: 14 Years

CONTACT

8776 E Truax Rd, Fairfield, WA 99012

Andrew A. Schillinger

Business Organization, Products Liability, Eminent Domain, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

Pullman, WA 99164

Adam N Malcolm

International Tax, Employment Discrimination, Administrative Law, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

332 French Administration Building, Pullman, WA 99164

Thomas J. Miller

Land Use & Zoning, Agriculture, Corporate, Credit & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

12613 S Jackson Rd, Mica, WA 99023

John Pierce

Federal, Civil Rights, Contract, Commercial Bankruptcy

Status: In Good Standing

CONTACT

Cheney, WA 99004

Bruce Robert Boyden

Federal, Business & Trade, Collection, Bankruptcy

Status: Inactive Licensed: 45 Years

CONTACT

8525 S Windmill Dr, Spokane, WA 99223

Judith R. Kampf

International Tax, Estate Planning, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 51 Years

CONTACT

Spokane, WA 99223

Anthony Edward Grabicki

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 46 Years

CONTACT

4503 E North Glenngrae Ln, Spokane, WA 99223

Robert Michael Seines

Civil Rights, Insurance, Banking & Finance, Collection

Status: In Good Standing Licensed: 39 Years

CONTACT

Greenacres, WA 99019

Patricia Lorraine Brown

Estate Planning, Disability, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

4210 S Havana St, Spokane, WA 99223

800-923-0641

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LEGAL TERMS

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.

FCRA

See Fair Credit Reporting Act.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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Belmont Bankruptcy & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Kimberly J. Thomas

Andrew A. Schillinger

Adam N Malcolm

Thomas J. Miller

John Pierce

Bruce Robert Boyden

Judith R. Kampf

Anthony Edward Grabicki

Robert Michael Seines

Patricia Lorraine Brown

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LEGAL TERMS

SETOFF

FCRA

COSIGNER

LIEN

BULK SALES LAW

UNSECURED DEBT

COLLATERAL

FAIR CREDIT REPORTING ACT (FCRA)

CURRENT MONTHLY INCOME

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