Four Lakes Bankruptcy & Debt Lawyer, Washington, page 3

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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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Joseph Todd Reuter

Commercial Real Estate, Litigation, Bankruptcy & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

618 West Riverside Avenue, Spokane, WA 99201

William L. Baker

Traffic, Health Care, Criminal, Bankruptcy

Status: In Good Standing Licensed: 37 Years

CONTACT

1011 W Mallon Ave, Spokane, WA 99201

Kevin Daniel O'Rourke

Credit & Debt, Bankruptcy, Bankruptcy & Debt, Medical Malpractice

Status: In Good Standing Licensed: 26 Years

CONTACT

421 W Riverside Ave, Spokane, WA 99201

Gregory R. Heline

Lawsuit & Dispute, Business, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

1903 N Ash St, Spokane, WA 99205

Dan John Cadagan

Agriculture, Estate Planning, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 38 Years

CONTACT

2123 W Bridge Ave, Spokane, WA 99201

Shelley Noelle Ripley

Commercial Real Estate, Business & Trade, Banking & Finance, Collection

Status: In Good Standing Licensed: 26 Years

CONTACT

422 W Riverside Ave, Spokane, WA 99201

Joseph H. Wessman

International Tax, Estate Planning, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 46 Years

CONTACT

422 W Riverside Ave, Spokane, WA 99201

Edward Harrison Turner

Health Care Other, Public Utilities, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 34 Years

CONTACT

720 W Boone Ave, Spokane, WA 99201

Jordan Charles Urness

Estate Planning, Business & Trade, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 22 Years

CONTACT

428 W Riverside Ave, Spokane, WA 99201

Kjirstin June Graham

Real Estate, Trusts, Estate Planning, Commercial Bankruptcy

Status: In Good Standing Licensed: 19 Years

CONTACT

618 W. Riverside, Spokane, WA 99201

800-923-0641

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LEGAL TERMS

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

CREDITOR

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

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid 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.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

FCRA

See Fair Credit Reporting Act.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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Four Lakes Bankruptcy & Debt Lawyer, Washington, page 3

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Joseph Todd Reuter

William L. Baker

Kevin Daniel O'Rourke

Gregory R. Heline

Dan John Cadagan

Shelley Noelle Ripley

Joseph H. Wessman

Edward Harrison Turner

Jordan Charles Urness

Kjirstin June Graham

TIPS

LEGAL TERMS

SOLE PROPRIETORSHIP

CREDITOR

CREDIT REPORT

AUTOMATIC STAY

UNDUE HARDSHIP

MEANS TEST

FCRA

COLLECTION AGENCY

IRS EXPENSES

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