Joyce 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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2. Email
3. Refer
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Patrick Mcgettigan Irwin

Employment Discrimination, Contract, Collection, Personal Injury

Status: In Good Standing Licensed: 24 Years

CONTACT

106 N Laurel St, Port Angeles, WA 98362

Joseph Bennett Wolfley

Accident & Injury, Contract, Credit & Debt, Malpractice, Medical Malpractice

Status: In Good Standing

CONTACT

713 E 1St St, Port Angeles, WA 98362

Robert N. Tulloch

Commercial Real Estate, Estate Planning, Corporate, Commercial Bankruptcy

Status: In Good Standing

CONTACT

206 S Lincoln St, Port Angeles, WA 98362

John R. Rutz

Litigation, Estate Planning, Insurance, Commercial Bankruptcy

Status: In Good Standing Licensed: 50 Years

CONTACT

804 S Oak St, Port Angeles, WA 98362

Ariel Jasmine Speser

Foreclosure, Family Law, Civil Rights, Consumer Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

115 E Railroad Ave, Port Angeles, WA 98362

Lindsay Taylor Thompson

Civil Rights, Business & Trade, Commercial Bankruptcy, Electronic Commerce

Status: Suspended Licensed: 39 Years

CONTACT

1212 1/2 W 17Th St, Port Angeles, WA 98363

Kevin R. Hansen

Family Law, Criminal, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

1607 E Front St, Port Angeles, WA 98362

Peter P Perron

International Tax, Estate Planning, Contract, Commercial Bankruptcy

Status: In Good Standing Licensed: 28 Years

CONTACT

1129 Craig Ave, Port Angeles, WA 98362

Patricia Lee Jackson

Estate Planning, Family Law, Civil Rights, Collection, Divorce

Status: In Good Standing Licensed: 43 Years

CONTACT

Carlsborg, WA 98324

Sandra Wilton

Elder Law, Corporate, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 31 Years

CONTACT

65 Juniper Mobile Est, Sequim, WA 98382

800-923-0641

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LEGAL TERMS

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.

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.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.'

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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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Joyce Credit & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Patrick Mcgettigan Irwin

Joseph Bennett Wolfley

Robert N. Tulloch

John R. Rutz

Ariel Jasmine Speser

Lindsay Taylor Thompson

Kevin R. Hansen

Peter P Perron

Patricia Lee Jackson

Sandra Wilton

TIPS

LEGAL TERMS

INTEREST

DISPOSABLE INCOME

GUARANTOR

LIQUIDATING PARTNER

COSIGNER

PREFERENCE

BULK SALES LAW

LOSS DAMAGE WAIVER (LDW)

TOXIC TORT

SAMPLE LEGAL CASES

Discover Bank v. Bridges

Brown v. Household Realty Corp.

BOEING EMPLOYEES'CREDIT UNION v. Burns

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