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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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Dennis V Messoline

Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 40 Years

CONTACT

12090 Clow Corner Rd, Dallas, OR 97338

Karen Laree Manske

Landlord-Tenant, Business & Trade, Contract, Commercial Bankruptcy

Status: In Good Standing Licensed: 29 Years

CONTACT

12005 Sw Poppy Dr, Gaston, OR 97119

Deneen Aubertin Keller

Employment Discrimination, Civil Rights, Corporate, Credit & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

9615 Grand Ronde Rd, Grand Ronde, OR 97347

Joshua D Zantello

Estate Planning, Divorce & Family Law, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 13 Years

CONTACT

2941 NW Hwy 101, Lincoln City, OR 97367

Paul Edward Toennis

Lawsuit & Dispute, Employment, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 39 Years

CONTACT

1190 Se 2Nd Ct, Lincoln City, OR 97367

Mari Garric Trevino

Land Use & Zoning, Federal, Family Law, Bankruptcy

Status: Inactive Licensed: 35 Years

CONTACT

298 Laneda Ave, Manzanita, OR 97130

Mari Garric Trevino

General Practice

Status: In Good Standing Licensed: 35 Years

CONTACT

298 Laneda Ave, Manzanita, OR 97130

Martha Lynn Passalaqua

Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 37 Years

CONTACT

1145 Sw Cypress St, Mcminnville, OR 97128

Erin C Walters

General Practice

Status: Suspended Licensed: 17 Years

CONTACT

1709 Ne 27Th St, Mcminnville, OR 97128

Kevin Kump

Litigation, Business, Bankruptcy

Status: In Good Standing Licensed: 37 Years

CONTACT

623 Nw Morning View Ct, Mcminnville, OR 97128

800-923-0641

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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).

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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Netarts Bankruptcy & Debt Lawyer, Oregon

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Dennis V Messoline

Karen Laree Manske

Deneen Aubertin Keller

Joshua D Zantello

Paul Edward Toennis

Mari Garric Trevino

Mari Garric Trevino

Martha Lynn Passalaqua

Erin C Walters

Kevin Kump

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

MEETING OF CREDITORS

INTEREST

LIEN

GUARANTEED RESERVATION

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

FRATERNAL BENEFIT SOCIETY BENEFITS

AUTOMATIC STAY

401(K) PLAN

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