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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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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

Cara C. Christensen

Litigation, Civil Rights, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 14 Years

CONTACT

8812 Venn Ave Se, Snoqualmie, WA 98065

Christopher Jason Mercado

Business & Trade, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

2800 156th Ave SE, Bellevue, WA 98007

Christopher Guy Hartman

General Practice

Status: Inactive Licensed: 24 Years

CONTACT

13809 174Th Pl Ne, Redmond, WA 98052

Dmitry Merrit

Bankruptcy & Debt, Credit & Debt, Personal Injury, Foreclosure, Landlord-Tenant

Status: In Good Standing Licensed: 23 Years

FREE CONSULTATION

CONTACT

14205 South East 36th ST, Bellevue, WA 98006

James R Putnam

General Practice

Status: In Good Standing Licensed: 21 Years

CONTACT

14517 Ne 5Th St, Bellevue, WA 98007

James R Putnam

Electronic Commerce, Corporate, Credit & Debt, Legal Malpractice

Status: In Good Standing Licensed: 21 Years

CONTACT

14517 Ne 5Th St, Bellevue, WA 98007

Jennifer Treadwell Karol

General Practice

Status: In Good Standing Licensed: 23 Years

CONTACT

23745 225Th Way S.E., Maple Valley, WA 98038

Karl Yongsuk Park

Family Law, Civil Rights, Corporate, Credit & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

7421 Better Way Loop SE, Snoqualmie, WA 98065

800-923-0641

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LEGAL TERMS

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

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.

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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Fall City Credit & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Alex Hyun-Su Chang

Alexandra Jean Barron

Cara C. Christensen

Christopher Jason Mercado

Christopher Guy Hartman

Dmitry Merrit

James R Putnam

James R Putnam

Jennifer Treadwell Karol

Karl Yongsuk Park

TIPS

LEGAL TERMS

ADMINISTRATIVE EXPENSES

GARNISHMENT

CREDIT BUREAU

GUARANTEED RESERVATION

GRACE PERIOD

MEETING OF CREDITORS

PRIORITY DEBT

COSIGNER

GUARANTOR

SAMPLE LEGAL CASES

Discover Bank v. Bridges

Brown v. Household Realty Corp.

BOEING EMPLOYEES'CREDIT UNION v. Burns

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