Cinebar Collection Lawyer, Washington, page 2

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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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E. P. Hackenberg

Collection, Personal Injury, Estate Planning, Landlord-Tenant

Status: In Good Standing Licensed: 17 Years

CONTACT

301 O St SE, Olympia, WA 98501

Trevor Arthur Zandell

Construction, Civil Rights, Contract, Collection

Status: In Good Standing Licensed: 19 Years

CONTACT

111 21St Ave Sw, Olympia, WA 98501

Bradley J Drury

Workers' Compensation, Contract, Collection, Personal Injury

Status: In Good Standing Licensed: 19 Years

CONTACT

2120 State Ave Ne, Lacey, WA 98506

Mary C. Lobdell

Federal Appellate Practice, Administrative Law, Collection, Legal Malpractice

Status: In Good Standing Licensed: 36 Years

CONTACT

2100 Evergreen Park Dr Sw, Olympia, WA 98504

Norman C. Dick

Insurance, Collection, Litigation, Civil Rights

Status: Inactive Licensed: 41 Years

CONTACT

133 Beacon Hill Dr, Longview, WA 98632

Loren Kiser

Landlord-Tenant, Civil Rights, Corporate, Collection

Status: In Good Standing Licensed: 27 Years

CONTACT

120 State Ave Ne, Olympia, WA 98501

Mary Ann Strickler

Landlord-Tenant, Collection, Commercial Real Estate

Status: In Good Standing Licensed: 29 Years

CONTACT

337 Rogers St Nw, Olympia, WA 98502

Wendy Louise Saunders

Civil Rights, Collection, Estate Planning, Business & Trade

Status: In Good Standing Licensed: 16 Years

CONTACT

16714 Meridian E, Puyallup, WA 98375

Darrel S. Ammons

Elder Law, Contract, Collection, Personal Injury

Status: In Good Standing Licensed: 36 Years

CONTACT

871 11Th Ave, Longview, WA 98632

Michael George Gusa

Landlord-Tenant, Real Estate, Collection, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

1700 Cooper Point Road S.W., Olympia, WA 98502

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.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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.

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.

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Cinebar Collection Lawyer, Washington, page 2

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

E. P. Hackenberg

Trevor Arthur Zandell

Bradley J Drury

Mary C. Lobdell

Norman C. Dick

Loren Kiser

Mary Ann Strickler

Wendy Louise Saunders

Darrel S. Ammons

Michael George Gusa

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

BANKRUPTCY TRUSTEE

CREDIT INSURANCE

FORBEARANCE

TRUTH IN LENDING ACT (TILA)

GRACE PERIOD

AUTOMATIC STAY

PREFERENCE

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

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