Rockford Credit & 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
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Thomas J. Miller

Land Use & Zoning, Agriculture, Corporate, Credit & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

12613 S Jackson Rd, Mica, WA 99023

Thomas J. Miller

General Practice

Status: In Good Standing

CONTACT

12613 S Jackson Rd, Mica, WA 99023

Thomas J. Miller

Business & Trade, Contract, Aviation, Credit & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

12613 S Jackson Rd, Mica, WA 99023

Alan Lynn Mcneil

Credit & Debt, Foreclosure, Elder Law, Family Law

Status: In Good Standing Licensed: 47 Years

CONTACT

413 N Green Ridge Dr, Greenacres, WA 99019

Gregory Scott Blair

Construction, International Other, Banking & Finance, Credit & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

17701 E Windsor Ct, Greenacres, WA 99016

S Brent Sorenson

Wills & Probate, Credit & Debt, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing

CONTACT

Veradale, WA 99037

R. Matthew Beverlin

Administrative Law, Credit & Debt, Civil Rights, Labor Law

Status: In Good Standing Licensed: 8 Years

CONTACT

2918 S Adams Rd, Veradale, WA 99037

Timothy R. Fischer

Bankruptcy & Debt, Bankruptcy, Real Estate, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

12710 E Sprague Ave, Spokane, WA 99216

Glenn William Godfrey

Lending, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

16201 E Indiana Ave, Spokane, WA 99216

Anthony Edward Grabicki

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 46 Years

CONTACT

4503 E North Glenngrae Ln, Spokane, WA 99223

800-923-0641

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LEGAL TERMS

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CREDITOR

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

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.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

CCCS

See Consumer Credit Counseling Service.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

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.

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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Rockford Credit & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Thomas J. Miller

Thomas J. Miller

Thomas J. Miller

Alan Lynn Mcneil

Gregory Scott Blair

S Brent Sorenson

R. Matthew Beverlin

Timothy R. Fischer

Glenn William Godfrey

Anthony Edward Grabicki

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

CREDIT INSURANCE

CREDITOR

GRACE PERIOD

BANKRUPTCY

CCCS

WORKOUT

ADMINISTRATIVE EXPENSES

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

SAMPLE LEGAL CASES

Discover Bank v. Bridges

Brown v. Household Realty Corp.

BOEING EMPLOYEES'CREDIT UNION v. Burns

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