Claytonville Bankruptcy & Debt Lawyer, Illinois, page 3

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Patrick Jones
About | Practice Areas
PMJ PLLC
100 S State St Chicago, IL 60603» view map
Bankruptcy & Debt
Working Relentlessly For You

Patrick is the Founder of PMJ PLLC and has more than 20 years of experience.

800-901-4721
1. Patrick Jones Chicago, IL
  Attorney at Law- IL
  DePaul University College of Law, J.D. 1999
2. AboutPMJ PLLC
  Working Relentlessly For You
3. Practice AreasExpertise
  Bankruptcy & Debt
1. Contact
2. Email
3. Refer
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7. Profile

Brian Pondenis

Bankruptcy

Status: Licensed: 19 Years

CONTACT

202 S. Broadway, Urbana, IL 61801

Cristina Marie Manuel

Landlord-Tenant, Traffic, Estate Planning, Bankruptcy, Tax

Status: Licensed: 23 Years

CONTACT

202 S Broadway Ave, Urbana, IL 61803

Brian Sides

Bankruptcy & Debt, Estate Planning, Elder Law, Estate Planning

Status: Licensed: 23 Years

CONTACT

Urbana, IL 61803

Brett Kepley

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status:

CONTACT

302 N First St, Champaign, IL 61820

Joseph Chamley

Municipal, Estate Planning, Banking & Finance, Bankruptcy

Status: Licensed: 30 Years

CONTACT

44 Main St, Champaign, IL 61820

Andrew Hatch

Divorce, DUI-DWI, Civil Rights, Collection

Status: Licensed: 23 Years

CONTACT

100 N Chestnut St, Champaign, IL 61820

Mary Ann Midden

Student Rights, Commercial Banks, Credit & Debt, Collection, Divorce

Status: Licensed: 46 Years

CONTACT

1401 W Green St, Urbana, IL 61801

Guy Charles Hall

Tax, Health Care Other, Municipal, Collection, Real Estate

Status: Licensed: 41 Years

CONTACT

301 N Neil St, Champaign, IL 61820

Mark Andrew Laws

Juvenile Law, Family Law, Civil Rights, Bankruptcy

Status: Licensed: 16 Years

CONTACT

350 E. Court Street, Kankakee, IL 60901

David M. Ucherek

Credit & Debt, Bankruptcy, Consumer Bankruptcy

Status: Licensed: 29 Years

CONTACT

103 N Race St, Urbana, IL 61801

800-923-0641

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LEGAL TERMS

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.

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.

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.'

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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Claytonville Bankruptcy & Debt Lawyer, Illinois, page 3

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Brian Pondenis

Cristina Marie Manuel

Brian Sides

Brett Kepley

Joseph Chamley

Andrew Hatch

Mary Ann Midden

Guy Charles Hall

Mark Andrew Laws

David M. Ucherek

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

LIABILITY

LOSS DAMAGE WAIVER (LDW)

SECRET WARRANTY PROGRAM

IRS EXPENSES

GUARANTOR

CREDIT COUNSELING

CREDIT INSURANCE

CHAPTER 7 BANKRUPTCY

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