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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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Robert E. Pugh

Collection, Criminal, Estate Planning, Personal Injury

Status: In Good Standing

CONTACT

1225 N North Street, Peoria, IL 61606

Laurie M. Judd

Banking & Finance, Bankruptcy, Corporate, Real Estate

Status: In Good Standing

CONTACT

227 NE Jefferson Avenue, Peoria, IL 61602

Alison E. McLaughlin

Family Law, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing

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Chase Building, 124 S.W. Adams Street, Peoria, IL 61602

C. Edwin Walker

Banking & Finance, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing

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411 Hamilton, Peoria, IL 61602

Royce Aaron Hood

Status: In Good Standing Licensed: 12 Years

CONTACT

10405 N Centerway Dr, Peoria, IL 61615

Brian Frederick Johnson

Litigation, Estate Planning, Business & Trade, Collection

Status: In Good Standing Licensed: 19 Years

CONTACT

1112 W Cayman Cove, Peoria, IL 61615

Jason Myles Crowder

Civil Rights, Collection, Bankruptcy, Medical Malpractice

Status: In Good Standing Licensed: 28 Years

CONTACT

830 W Trailcreek Dr, Peoria, IL 61614

Kevin D. Schneider

Intellectual Property, Banking & Finance, Business, Bankruptcy

Status: In Good Standing

CONTACT

221 Crestwood Dr, Peoria, IL 61614

Casey Christopher Kepple

Litigation, Estate Planning, Transactions, Bankruptcy

Status: In Good Standing Licensed: 15 Years

CONTACT

4700 N Prospect Rd, Peoria, IL 61616

Casey Christopher Kepple

Litigation, Estate Planning, Transactions, Bankruptcy

Status: In Good Standing Licensed: 15 Years

CONTACT

4700 N Prospect Rd, Peoria, IL 61616

800-923-0641

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LEGAL TERMS

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.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.'

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

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.

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.

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Laura Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Robert E. Pugh

Laurie M. Judd

Alison E. McLaughlin

C. Edwin Walker

Royce Aaron Hood

Brian Frederick Johnson

Jason Myles Crowder

Kevin D. Schneider

Casey Christopher Kepple

Casey Christopher Kepple

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LEGAL TERMS

DISPOSABLE INCOME

TOXIC TORT

LOSS DAMAGE WAIVER (LDW)

LIEN

CREDIT BUREAU

UNSECURED DEBT

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

FAIR CREDIT BILLING ACT (FCBA)

SECRET WARRANTY PROGRAM

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