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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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Bradley Eugene Gearheard

Family Law, Civil Rights, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 34 Years

CONTACT

1206 Wells St, Enumclaw, WA 98022

Michael N Schmidt

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

Status: In Good Standing Licensed: 22 Years

CONTACT

9315 Gravelly Lake Dr Sw, Tacoma, WA 98499

Bev J Yokoyama

Wills & Probate, Credit & Debt, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

1202 Devon Loop Ne, Lacey, WA 98506

Kenneth E. Rossback

Immigration, Criminal, Credit & Debt, Bankruptcy

Status: Deceased Licensed: 34 Years

CONTACT

3701 Center St, Tacoma, WA 98409

Jonathan Tate Mccoy

Administrative Law, Credit & Debt, Civil Rights, Family Law

Status: In Good Standing Licensed: 35 Years

CONTACT

11202 96Th Ave Sw, Tacoma, WA 98498

Terri L Salinas

Corporate, Banking & Finance, Credit & Debt, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

3615 Pacific Ave, Tacoma, WA 98418

Sheri L Nevlin

Commercial Real Estate, Foreclosure, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

Tacoma, WA 98464

Kelly Moreen Wittner

Immigration, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

Tacoma, WA 98464

John Michael Mccrady

Commercial Real Estate, Land Use & Zoning, Insurance, Credit & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

5350 Orchard St W, Tacoma, WA 98467

Mark Dennis Waldron

Foreclosure, Civil Rights, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 45 Years

CONTACT

6824 19Th St W, Tacoma, WA 98466

800-923-0641

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LEGAL TERMS

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

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.'

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

COLLATERAL

Property that guarantees payment of a secured debt.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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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Mineral Credit & Debt Lawyer, Washington

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Bradley Eugene Gearheard

Michael N Schmidt

Bev J Yokoyama

Kenneth E. Rossback

Jonathan Tate Mccoy

Terri L Salinas

Sheri L Nevlin

Kelly Moreen Wittner

John Michael Mccrady

Mark Dennis Waldron

TIPS

LEGAL TERMS

IRS EXPENSES

DISPOSABLE INCOME

DEBIT CARD

TRUTH IN LENDING ACT (TILA)

LOSS DAMAGE WAIVER (LDW)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

COLLATERAL

LIABILITY

REDEMPTION

SAMPLE LEGAL CASES

Discover Bank v. Bridges

Brown v. Household Realty Corp.

BOEING EMPLOYEES'CREDIT UNION v. Burns

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