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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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Thomas J. Miller

Land Use & Zoning, Agriculture, Corporate, Credit & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

12613 S Jackson Rd, Mica, WA 99023

Timothy R. Fischer

Bankruptcy & Debt, Bankruptcy, Real Estate, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

12710 E Sprague Ave, Spokane, WA 99216

Anthony Edward Grabicki

Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 45 Years

CONTACT

4503 E North Glenngrae Ln, Spokane, WA 99223

Alan Lynn Mcneil

Credit & Debt, Foreclosure, Elder Law, Family Law

Status: In Good Standing Licensed: 47 Years

CONTACT

413 N Green Ridge Dr, Greenacres, WA 99019

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

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

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

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.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

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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Mica Credit & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Thomas J. Miller

Timothy R. Fischer

Anthony Edward Grabicki

Alan Lynn Mcneil

Patricia Lorraine Brown

Kevin Daniel O'Rourke

Brian Cameron

Erin E Pounds

Sarah Nicole Harmon

Daniel E. Finney

TIPS

LEGAL TERMS

GUARANTOR

C CORPORATION

UNSECURED DEBT

COSIGNER

HOUSEHOLDER

CHAPTER 13 BANKRUPTCY

CURRENT MONTHLY INCOME

BULK SALES LAW

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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