East Saint Louis Bankruptcy & Debt Lawyer, Illinois

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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
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Rex Carr

Real Estate, Legal Malpractice, Personal Injury, Bankruptcy

Status: In Good Standing Licensed: 75 Years

CONTACT

412 Missouri Ave, East Saint Louis, IL 62201

William A. Mueller

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

8787 State Street, East Saint Louis, IL 62203

Robert Gregory Lathram

Government, Criminal, Bankruptcy & Debt, Divorce & Family Law, Business

Status: In Good Standing Licensed: 35 Years

FREE CONSULTATION

CONTACT

203 W Main St, Collinsville, IL 62234

Richard G. Reed

Workers' Compensation, Criminal, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 48 Years

CONTACT

6464 West Main Street, Belleville, IL 62223

Mark Silvermintz

Litigation, Credit & Debt, Business

Status: In Good Standing

CONTACT

1355 North Bluff Road, Collinsville, IL 62234

Thea Felice Rubin

Collection, Banking & Finance

Status: In Good Standing Licensed: 32 Years

CONTACT

2011 Mall, Collinsville, IL 62234

Steven Mark Wallace

Litigation, Transactions, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

1606 Eastport Plaza Drive, Collinsville, IL 62234

Steven Wallace

Litigation, Transactions, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

1606 Eastport Plaza Drive, Collinsville, IL 62234

Robert Bruegge

Insurance, Bankruptcy

Status: In Good Standing

CONTACT

1606 E.Port Plaza Dr, Collinsville, IL 62234

Benjamin Franklin Edwards

Estate Planning, Civil Rights, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 49 Years

CONTACT

East Saint Louis, IL 62202

800-923-0641

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LEGAL TERMS

CCCS

See Consumer Credit Counseling Service.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

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.'

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.

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.

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.

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East Saint Louis Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Rex Carr

William A. Mueller

Robert Gregory Lathram

Richard G. Reed

Mark Silvermintz

Thea Felice Rubin

Steven Mark Wallace

Steven Wallace

Robert Bruegge

Benjamin Franklin Edwards

TIPS

LEGAL TERMS

CCCS

MEETING OF CREDITORS

CREDIT BUREAU

GARNISHMENT

SECURED DEBT

LOSS DAMAGE WAIVER (LDW)

SETOFF

SECRET WARRANTY PROGRAM

COSIGNER

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