Buckley Credit & Debt Lawyer, Washington

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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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A Lynn Rivera

Commercial Bankruptcy, Contract, Credit & Debt, Estate Planning

Status: In Good Standing Licensed: 68 Years

CONTACT

6947 Coal Creek Pkwy Se, Renton, WA 98059

Aaron Vanderpol

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

Status: In Good Standing Licensed: 8 Years

CONTACT

Auburn, WA 98071

Alesha Struthers

Employment Discrimination, Family Law, Contract, Credit & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

14900 Interurban Ave S, Seahurst, WA 98168

Alex Hyun-Su Chang

Commercial Real Estate, Landlord-Tenant, Dispute Resolution, Credit & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

9516 Elm Ave Se, Snoqualmie, WA 98065

Alexandra Jean Barron

Corporate, Credit & Debt, Estate Planning, Foreclosure

Status: In Good Standing Licensed: 10 Years

CONTACT

1429 Avenue D, Snohomish, WA 98290

Amanda Nicole Martin

Consumer Rights, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 9 Years

CONTACT

936 N 34Th St, Seattle, WA 98103

Andrew Nathan Pierce

General Practice

Status: In Good Standing Licensed: 9 Years

CONTACT

Roy, WA 98580

Anthony Robert Owens

Credit & Debt, Family Law, Estate Planning, Landlord-Tenant

Status: Deceased Licensed: 22 Years

CONTACT

1009 147Th Ave Se, Bellevue, WA 98007

Austin Keith Phelps

Landlord-Tenant, Sports, Contract, Credit & Debt

Status: In Good Standing

CONTACT

1627 45Th St E, Sumner, WA 98390

Beverly Lerch Nored

Power of Attorney, Land Use & Zoning, Health Care Other, Divorce & Family Law, Credit & Debt

Status: In Good Standing

CONTACT

15 S Grady Way, Renton, WA 98057

800-923-0641

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LEGAL TERMS

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.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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.'

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.

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.

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.

CREDITOR

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

FCBA

See Fair Credit Billing Act.

SAMPLE LEGAL CASES

Discover Bank v. Bridges

... HOUGHTON, J. Â¶ 1 John and Julie Bridges appeal the trial court's grant of summary judgment on their credit card debt to Discover Bank. ... We reverse and remand. FACTS. Â¶ 2 Discover Bank filed a complaint against the Bridges, seeking payment of a credit card debt. ...

Brown v. Household Realty Corp.

... This debt consolidation reduced the Browns' total monthly payments for home loans and consumer credit accounts. ... 6 The same day, the Browns obtained from Household a second position line of credit to consolidate additional unsecured debt. ...

BOEING EMPLOYEES'CREDIT UNION v. Burns

... [2]. Â¶ 2 Here, Boeing Employees' Credit Union (BECU) is the holder of a subordinate deed of trust for ... [4] Accordingly, BECU is entitled to the surplus sales funds that are sufficient to satisfy the Burnses' unpaid debt to BECU. [5] We reverse and remand for further proceedings. ...

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Buckley Credit & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

A Lynn Rivera

Aaron Vanderpol

Alesha Struthers

Alex Hyun-Su Chang

Alexandra Jean Barron

Amanda Nicole Martin

Andrew Nathan Pierce

Anthony Robert Owens

Austin Keith Phelps

Beverly Lerch Nored

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

UNSECURED DEBT

UNDUE HARDSHIP

LOSS DAMAGE WAIVER (LDW)

SETOFF

COLLECTION AGENCY

FAIR CREDIT REPORTING ACT (FCRA)

CREDITOR

FCBA

SAMPLE LEGAL CASES

Discover Bank v. Bridges

Brown v. Household Realty Corp.

BOEING EMPLOYEES'CREDIT UNION v. Burns

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