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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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Steven A Heinrich

Family Law, Elder Law, Contract, Credit & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

527 NW 3rd St, Corvallis, OR 97330

Rebecca Winters

Divorce & Family Law, Bankruptcy, Bankruptcy & Debt, Child Custody

Status: In Good Standing Licensed: 9 Years

CONTACT

1113 Hill St SE, Albany, OR 97321

David W Jacobson

Bankruptcy, Business & Trade, Commercial Real Estate

Status: In Good Standing Licensed: 20 Years

CONTACT

3040 Commercial St Se, Salem, OR 97302

Rodney L. Schermer

Business, Bankruptcy

Status: In Good Standing Licensed: 47 Years

CONTACT

4590 Elk Run Dr SW, Albany, OR 97321

Christopher Bruce Matheny

Estate Planning, Civil Rights, Contract, Credit & Debt

Status: In Good Standing

CONTACT

1644 Liberty St Se, Salem, OR 97302

Keith Daniel Karnes

Civil Rights, Credit & Debt, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2701 12Th St Se, Salem, OR 97302

Keith D Karnes

Landlord-Tenant, Civil Rights, Credit & Debt, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing

CONTACT

2701 12Th St Se, Salem, OR 97302

Lisa Nuss

Employment, Litigation, Commercial Bankruptcy

Status: Inactive Licensed: 29 Years

CONTACT

3578 Peck Ave Se, Salem, OR 97302

Kevin J Rank

Litigation, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 33 Years

CONTACT

1265 Waller St Se, Salem, OR 97302

Brian E Hefner

Motor Vehicle, Divorce, Criminal, Bankruptcy & Debt, Personal Injury

Status: In Good Standing Licensed: 8 Years

CONTACT

1230 Fairview Ave SE, Salem, OR 97302

800-923-0641

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LEGAL TERMS

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.

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.

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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.

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Monmouth Bankruptcy & Debt Lawyer, Oregon

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

Steven A Heinrich

Rebecca Winters

David W Jacobson

Rodney L. Schermer

Christopher Bruce Matheny

Keith Daniel Karnes

Keith D Karnes

Lisa Nuss

Kevin J Rank

Brian E Hefner

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LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FAIR CREDIT BILLING ACT (FCBA)

GUARANTOR

REPOSSESSION

SETOFF

CREDITOR

COLLECTION AGENCY

ABUSE

DISPOSABLE INCOME

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