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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. J. Scheer

Corporate, Commercial Bankruptcy, Business & Trade, Electronic Commerce

Status: Inactive Licensed: 27 Years

CONTACT

Friday Harbor, WA 98250

Alan E. Millet

Landlord-Tenant, Estate Planning, Business & Trade, Commercial Bankruptcy

Status: In Good Standing

CONTACT

Sequim, WA 98382

Angela Maria Anderson

Real Estate, Lawsuit & Dispute, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 18 Years

CONTACT

Friday Harbor, WA 98250

Ariel Jasmine Speser

Foreclosure, Family Law, Civil Rights, Consumer Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

115 E Railroad Ave, Port Angeles, WA 98362

Branka Vukshich

Dispute Resolution, Family Law, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

435 E 11Th St, Port Angeles, WA 98362

Bryan A. Harden

Commercial Bankruptcy, Commercial Real Estate, Federal, Real Estate

Status: Inactive Licensed: 56 Years

CONTACT

201 E Ahlvers Rd, Port Angeles, WA 98362

Caitlin Helena Scales

Commercial Bankruptcy, Commercial Real Estate, Real Estate

Status: Inactive Licensed: 44 Years

CONTACT

230 Rainview Ln, Sequim, WA 98382

Charmayne Diane Hurlbut

Commercial Bankruptcy, Commercial Real Estate, Real Estate

Status: Suspended Licensed: 44 Years

CONTACT

Sequim, WA 98382

Cherie Annette Gottschalk

Commercial Bankruptcy, Commercial Real Estate, Family Law, Real Estate

Status: In Good Standing Licensed: 44 Years

CONTACT

473 Towne Rd, Sequim, WA 98382

Cheryl L. Nicpon

Commercial Bankruptcy, Administrative Law, Federal, State Government

Status: In Good Standing Licensed: 62 Years

CONTACT

1315 Caroline St, Port Angeles, WA 98362

800-923-0641

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LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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Joyce Bankruptcy & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

A. J. Scheer

Alan E. Millet

Angela Maria Anderson

Ariel Jasmine Speser

Branka Vukshich

Bryan A. Harden

Caitlin Helena Scales

Charmayne Diane Hurlbut

Cherie Annette Gottschalk

Cheryl L. Nicpon

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LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

IRS EXPENSES

SOLE PROPRIETORSHIP

COLLATERAL

REDEMPTION

MEANS TEST

NONDISCHARGEABLE DEBTS

CURRENT MONTHLY INCOME

FAIR CREDIT BILLING ACT (FCBA)

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