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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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Larry Washburn Larson

Land Use & Zoning, Civil Rights, Business & Trade, Commercial Bankruptcy

Status: In Good Standing Licensed: 49 Years

CONTACT

821 E Broadway Ave, Moses Lake, WA 98837

William J Plonske

Real Estate, Family Law, Contract, Bankruptcy

Status: Deceased Licensed: 52 Years

CONTACT

828 W Broadway Ave, Moses Lake, WA 98837

Brian Dano

Agriculture, Estate Planning, Corporate, Commercial Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

Moses Lake, WA 98837

Lawrence Lee Tracy

Landlord-Tenant, Credit & Debt, Estate Planning, Foreclosure, Land Use & Zoning

Status: In Good Standing Licensed: 53 Years

CONTACT

305 W 4Th Ave, Moses Lake, WA 98837

Christopher F. Ries

Construction, Agriculture, Corporate, Collection

Status: In Good Standing Licensed: 30 Years

CONTACT

Moses Lake, WA 98837

John L. Mckean

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 41 Years

CONTACT

704 E Olive Ave, Moses Lake, WA 98837

Bradley P Thonney

Consumer Bankruptcy, DUI-DWI, Wills & Probate

Status: In Good Standing Licensed: 16 Years

CONTACT

Moses Lake, WA 98837

Jerry L Sorlien

Landlord-Tenant, Estate Planning, Family Law, Bankruptcy

Status: Inactive Licensed: 49 Years

CONTACT

1602 W Peninsula Dr, Moses Lake, WA 98837

Jeffrey B Earl

Landlord-Tenant, Estate Planning, Guardianships & Conservatorships, Credit & Debt

Status: In Good Standing Licensed: 42 Years

CONTACT

6079 Murray Way Ne, Moses Lake, WA 98837

Kenneth W Chadwick

Civil Rights, Insurance, Commercial Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 21 Years

CONTACT

56 C St Nw, Ephrata, WA 98823

800-923-0641

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LEGAL TERMS

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

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Warden Bankruptcy & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Larry Washburn Larson

William J Plonske

Brian Dano

Lawrence Lee Tracy

Christopher F. Ries

John L. Mckean

Bradley P Thonney

Jerry L Sorlien

Jeffrey B Earl

Kenneth W Chadwick

TIPS

LEGAL TERMS

CREDIT BUREAU

FORBEARANCE

BANKRUPTCY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

LOSS DAMAGE WAIVER (LDW)

GRACE PERIOD

FDCPA

NUISANCE FEES

MEANS TEST

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