Greenbank Collection 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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Patrick F. Hussey

Foreclosure, Credit & Debt, Collection, Bankruptcy

Status: Inactive Licensed: 47 Years

CONTACT

Greenbank, WA 98253

James K. Miersma

General Practice

Status: In Good Standing Licensed: 45 Years

CONTACT

Nordland, WA 98358

Alexandrea Camille Schodowski

Civil Rights, Insurance, Collection, Personal Injury

Status: In Good Standing Licensed: 13 Years

CONTACT

210 Polk St, Port Townsend, WA 98368

Lawrence Belskis

Estate Planning, Workers' Compensation, Insurance, Collection

Status: In Good Standing

CONTACT

152 N Pheasant Run Rd, Coupeville, WA 98239

Amy Nicole Spitzer

Landlord-Tenant, Estate Planning, Corporate, Collection

Status: In Good Standing Licensed: 10 Years

CONTACT

Everett, WA 98206

John Richard Shields

Collection

Status: Inactive Licensed: 51 Years

CONTACT

832 43Rd St Nw, Marysville, WA 98271

Peter Mcfadden

Landlord-Tenant, Collection, Traffic, Immigration

Status: Inactive Licensed: 20 Years

CONTACT

3020 Rucker Ave, Everett, WA 98201

Julia Ann Youngs

Estate Planning, Civil Rights, Corporate, Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

3007 Rucker Ave, Everett, WA 98201

Thomas Francis Mcdonough

Civil Rights, Insurance, Collection, Personal Injury, Car Accident

Status: In Good Standing Licensed: 44 Years

CONTACT

510 Bell St, Edmonds, WA 98020

Michael Wayne Hall

Federal, Corporate, Collection, Civil Rights

Status: In Good Standing Licensed: 36 Years

CONTACT

1140 Edmonds St, Edmonds, WA 98020

800-923-0641

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LEGAL TERMS

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.

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.

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.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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).

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Greenbank Collection Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Patrick F. Hussey

James K. Miersma

Alexandrea Camille Schodowski

Lawrence Belskis

Amy Nicole Spitzer

John Richard Shields

Peter Mcfadden

Julia Ann Youngs

Thomas Francis Mcdonough

Michael Wayne Hall

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

INTEREST

CREDIT INSURANCE

FRAUDULENT TRANSFER

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

WINDING UP

SECURED DEBT

PRESUMED ABUSE

CREDIT REPORT

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