Skagit County, WA Bankruptcy & Debt Lawyers

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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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John Russel Shultz

Civil Rights, Administrative Law, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 42 Years

CONTACT

127 E. Fairhaven Avenue, Burlington, WA 98233

Jayne Marsh Gilbert

Commercial Real Estate, Mass Torts, Estate Planning, Family Law, Credit & Debt

Status: In Good Standing

CONTACT

314 Pine Street, Mount Vernon, WA 98273

Neli T Espe

Landlord-Tenant, Estate Planning, Contract, Commercial Bankruptcy

Status: In Good Standing

CONTACT

2114 Commercial Ave, Anacortes, WA 98221

Richard Mark Sybrandy

Contract, Credit & Debt, Civil Rights, Family Law

Status: In Good Standing Licensed: 29 Years

CONTACT

Mount Vernon, WA 98273

Bradford Edward Furlong

Land Use & Zoning, Civil Rights, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

15400 Airport Dr, Burlington, WA 98233

Terence G. Carroll

Divorce, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 39 Years

CONTACT

709 S 1St St, Mount Vernon, WA 98273

Brian Edward Clark

Land Use & Zoning, Estate Planning, Business & Trade, Commercial Bankruptcy

Status: In Good Standing Licensed: 46 Years

CONTACT

Mount Vernon, WA 98273

Rachelle Marie Eason

Estate Planning, Family Law, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 24 Years

CONTACT

725 S 1St St, Mount Vernon, WA 98273

Cawood King Bebout

Immigration, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

1023 S 3rd St, Mount Vernon, WA 98273

Vivian Leigh White

Bankruptcy, Family Law, Estate Planning, Federal

Status: Suspended Licensed: 30 Years

CONTACT

Mount Vernon, WA 98273

800-923-0641

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LEGAL TERMS

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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).

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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Skagit County, WA Bankruptcy & Debt Lawyers

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

John Russel Shultz

Jayne Marsh Gilbert

Neli T Espe

Richard Mark Sybrandy

Bradford Edward Furlong

Terence G. Carroll

Brian Edward Clark

Rachelle Marie Eason

Cawood King Bebout

Vivian Leigh White

TIPS

LEGAL TERMS

COLLECTION AGENCY

SETOFF

SECURED DEBT

SOLE PROPRIETORSHIP

GARNISHMENT

LIEN

SUBROGATION

DISPOSABLE INCOME

DISCHARGE (OF DEBTS)

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