Hartline Bankruptcy & 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
1. Contact
2. Email
3. Refer
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7. Profile

Dana Cleveland

General Practice

Status: In Good Standing Licensed: 16 Years

CONTACT

611 Cedar St, Coulee Dam, WA 99116

Kenneth W Chadwick

Civil Rights, Insurance, Commercial Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 22 Years

CONTACT

56 C St Nw, Ephrata, WA 98823

Richard E Schultheis

Land Use & Zoning, Credit & Debt, Estate Planning, Business & Trade

Status: Deceased Licensed: 71 Years

CONTACT

56 C St Nw, Ephrata, WA 98823

Denise D Kazen

Commercial Bankruptcy, Commercial Real Estate, Real Estate

Status: Inactive Licensed: 87 Years

CONTACT

903 200Th St Ne, Arlington, WA 98223

Katharine Mathews

Employment Discrimination, Civil Rights, Business & Trade, Commercial Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

35 C St NW, Ephrata, WA 98823

F. Dana Kelley

Family Law, Criminal, Indians & Native Populations, Credit & Debt

Status: In Good Standing Licensed: 37 Years

CONTACT

Nespelem, WA 99155

Wallace Edward Allan

Corporate, Collection, Municipal, Real Estate

Status: Inactive Licensed: 61 Years

CONTACT

5448 Martin Rd, Ephrata, WA 98823

Cecilia K. Cervantes

Land Use & Zoning, Collection, Estate Planning, Bankruptcy

Status: Inactive Licensed: 35 Years

CONTACT

Ephrata, WA 98823

Vinetta K Allen

Commercial Bankruptcy, Commercial Real Estate, Contract, Litigation

Status: In Good Standing Licensed: 45 Years

CONTACT

4325 W William Ave, Moses Lake, WA 98837

Brian Dano

Agriculture, Estate Planning, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

Moses Lake, WA 98837

800-923-0641

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LEGAL TERMS

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.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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).

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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Hartline Bankruptcy & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Dana Cleveland

Kenneth W Chadwick

Richard E Schultheis

Denise D Kazen

Katharine Mathews

F. Dana Kelley

Wallace Edward Allan

Cecilia K. Cervantes

Vinetta K Allen

Brian Dano

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LEGAL TERMS

CREDIT BUREAU

FAIR CREDIT REPORTING ACT (FCRA)

SECRET WARRANTY PROGRAM

UNDUE HARDSHIP

REAFFIRMATION

NUISANCE FEES

NO-FAULT INSURANCE

LIEN

DEBT COLLECTOR

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