Whatcom County, WA Reorganization Lawyers, page 5

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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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David Nelson Jolly

Traffic, DUI-DWI, Criminal, Personal Injury

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218 W Champion St, Bellingham, WA 98225

Aaron Lukoff

Other, Entertainment, Criminal, Business, Car Accident

Status: Licensed: 21 Years

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215 Flora St., Bellingham, WA 98225

Timothy David Knowles

Corporate, Immigration, Electronic Commerce, Business

Status: Licensed: 17 Years

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1224 Harris Ave, Bellingham, WA 98225

Nicholas B Berning

Immigration, Visa

Status: Licensed: 19 Years

CONTACT

1015 Railroad Ave., Bellingham, WA 98225

Simon Paul Brownlie

International Other, Corporate, Contract, Commercial Bankruptcy

Status: Licensed: 37 Years

CONTACT

12 Bellwether Way, Bellingham, WA 98225

Philip James Buri

Land Use & Zoning, Lawsuit & Dispute, Federal Appellate Practice, Civil Rights

Status: Licensed: 37 Years

CONTACT

1601 F St, Bellingham, WA 98225

Jeffrey P. Fairchild

Employment Discrimination, Employment, Civil Rights, Contract

Status:

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400 N Commercial St, Bellingham, WA 98225

Roger Ashley Leishman

Education, State Government, Insurance, Malpractice

Status: Licensed: 35 Years

CONTACT

Bellingham, WA 98227

Robert Joseph La Rocco

Family Law, Civil Rights, Bankruptcy, Personal Injury

Status: Licensed: 15 Years

CONTACT

1255 Lakeview St, Bellingham, WA 98229

John Patrick Livingston

Real Estate, Lawsuit & Dispute, International, Patent, Estate

Status: Licensed: 23 Years

CONTACT

119 N Commercial St, Bellingham, WA 98225

800-814-6700

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LEGAL TERMS

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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.

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.

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

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Whatcom County, WA Reorganization Lawyers, page 5

Sponsored Law Firm

Leavy Schultz Davis, P.S.

SPONSORED LAWYERS

David Nelson Jolly

Aaron Lukoff

Timothy David Knowles

Nicholas B Berning

Simon Paul Brownlie

Philip James Buri

Jeffrey P. Fairchild

Roger Ashley Leishman

Robert Joseph La Rocco

John Patrick Livingston

TIPS

LEGAL TERMS

SECURED DEBT

COLLECTION AGENCY

ABUSE

INTEREST

FAIR CREDIT BILLING ACT (FCBA)

BULK SALES LAW

CURRENT MONTHLY INCOME

DISCHARGEABLE DEBTS

PREFERENCE

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