Lamont 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
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Laura Reed

Commercial Real Estate, Agriculture, Corporate, Credit & Debt

Status: In Good Standing Licensed: 17 Years

CONTACT

2001 S Flint Rd, Spokane, WA 99224

Anthony Edward Grabicki

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

4503 E North Glenngrae Ln, Spokane, WA 99223

Terrence V. Sawyer

Administrative Law, Credit & Debt, Personal Injury, Elder Law

Status: Inactive Licensed: 46 Years

CONTACT

1918 S Audubon Ct, Spokane, WA 99224

Patrick Flinn Connelly

Contract, Landlord-Tenant, Credit & Debt, Family Law

Status: Inactive Licensed: 45 Years

CONTACT

701 W 14Th Ave, Spokane, WA 99204

Brian Cameron

Landlord-Tenant, Credit & Debt, Family Law, Personal Injury

Status: In Good Standing Licensed: 12 Years

CONTACT

905 W Riverside Ave, Spokane, WA 99201

Erin E Pounds

Environmental Law Other, Insurance, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 13 Years

CONTACT

500 N Cedar St, Spokane, WA 99201

Sarah Nicole Harmon

Insurance, Credit & Debt, Personal Injury, Employment Discrimination

Status: In Good Standing Licensed: 11 Years

CONTACT

Spokane, WA 99220

Daniel E. Finney

Commercial Real Estate, Land Use & Zoning, Banking & Finance, Credit & Debt

Status: In Good Standing

CONTACT

1065 S Wall St, Spokane, WA 99204

Kevin Daniel O'Rourke

Credit & Debt, Bankruptcy, Bankruptcy & Debt, Medical Malpractice

Status: In Good Standing Licensed: 25 Years

CONTACT

421 W Riverside Ave, Spokane, WA 99201

Patricia Lorraine Brown

Estate Planning, Disability, Administrative Law, Credit & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

4210 S Havana St, Spokane, WA 99223

800-923-0641

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LEGAL TERMS

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.

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).

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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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Lamont Credit & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Laura Reed

Anthony Edward Grabicki

Terrence V. Sawyer

Patrick Flinn Connelly

Brian Cameron

Erin E Pounds

Sarah Nicole Harmon

Daniel E. Finney

Kevin Daniel O'Rourke

Patricia Lorraine Brown

TIPS

LEGAL TERMS

GUARANTOR

CREDIT REPORT

PREFERENCE

FDCPA

MEANS TEST

BULK SALES LAW

GUARANTEED RESERVATION

DISPOSABLE INCOME

FAIR CREDIT BILLING ACT (FCBA)

SAMPLE LEGAL CASES

Discover Bank v. Bridges

Brown v. Household Realty Corp.

BOEING EMPLOYEES'CREDIT UNION v. Burns

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