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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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2. Email
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Cheryl A Chambers

Commercial Bankruptcy, Commercial Real Estate, Real Estate

Status: Suspended Licensed: 19 Years

CONTACT

362 Maranatha Rd, Kelso, WA 98626

Stewart Dean Feil

Contract, Constitutional Law, Estate Planning, Commercial Bankruptcy

Status: In Good Standing Licensed: 14 Years

CONTACT

Kelso, WA 98626

Christopher John Roubicek

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

Status: In Good Standing Licensed: 44 Years

CONTACT

Castle Rock, WA 98611

Janie E. Ray

Commercial Bankruptcy, Dispute Resolution, Commercial Real Estate, Real Estate

Status: In Good Standing Licensed: 49 Years

CONTACT

Castle Rock, WA 98611

Candy S. Fountain

Commercial Bankruptcy, Commercial Real Estate, Real Estate

Status: Inactive Licensed: 40 Years

CONTACT

625 Carroll Rd, Kelso, WA 98626

Deanna L Cornelison

Commercial Bankruptcy, Commercial Real Estate, Real Estate

Status: In Good Standing Licensed: 44 Years

CONTACT

103 Carrolls Ave, Carrolls, WA 98609

Marlene K. Coleman

Commercial Bankruptcy, Commercial Real Estate, Real Estate

Status: Suspended Licensed: 85 Years

CONTACT

Carrolls, WA 98609

Nancy Wyllys

Commercial Bankruptcy, International Tax, Bankruptcy, State Government

Status: In Good Standing Licensed: 52 Years

CONTACT

276 Classe Rd, Toledo, WA 98591

Norman C. Dick

Insurance, Collection, Litigation, Civil Rights

Status: Inactive Licensed: 41 Years

CONTACT

133 Beacon Hill Dr, Longview, WA 98632

Kimberly LaRae Bailey

Commercial Bankruptcy, Commercial Real Estate, Contract, International Other

Status: Inactive Licensed: 45 Years

CONTACT

227 Simmons Rd, Kalama, WA 98625

800-923-0641

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LEGAL TERMS

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.

CREDIT FILE

See credit report.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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.

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.

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.

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Toutle Bankruptcy & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Cheryl A Chambers

Stewart Dean Feil

Christopher John Roubicek

Janie E. Ray

Candy S. Fountain

Deanna L Cornelison

Marlene K. Coleman

Nancy Wyllys

Norman C. Dick

Kimberly LaRae Bailey

TIPS

LEGAL TERMS

MEANS TEST

CREDIT FILE

UNSECURED DEBT

DISPOSABLE INCOME

CREDIT REPORT

GUARANTOR

NUISANCE FEES

MEETING OF CREDITORS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

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