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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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Thomas Laye

✓ VERIFIED

Accident & Injury, Divorce & Family Law, Estate, Bankruptcy & Debt, Business

Thomas was born and raised in Cherry Valley, Illinois. He attended Western Illinois University where he received his Bachelor’s in Law Enforcement a... (more)

FREE CONSULTATION

CONTACT

815-962-0044

308 West State Street, Rockford, IL 61101

Betsy Shaulis

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

100 South Broad Street, Lanark, IL 61046

Louis Adam Nack

Elder Law, Banking & Finance, Collection, Personal Injury, Insurance

Status: In Good Standing

CONTACT

151 N Main St, Elizabeth, IL 61028

Ronald Joseph Leinen

Bankruptcy, International Tax, Litigation

Status: In Good Standing Licensed: 44 Years

CONTACT

122 1/2 N Main St, Galena, IL 61036

Louis Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 North Main Street, Galena, IL 61036

James Joseph Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Joseph Edward Nack

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Joseph Nack

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

James Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Constance Augsburger

Civil Rights, Collection, Estate Planning, Federal Appellate Practice

Status: In Good Standing Licensed: 41 Years

CONTACT

301 E Brayton Rd, Mount Morris, IL 61054

800-923-0641

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

CCCS

See Consumer Credit Counseling Service.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

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.

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.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

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Lena Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Laye

Betsy Shaulis

Louis Adam Nack

Ronald Joseph Leinen

Louis Nack

James Joseph Nack

Joseph Edward Nack

Joseph Nack

James Nack

Constance Augsburger

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

GUARANTEED RESERVATION

CCCS

GRACE PERIOD

INFRINGEMENT (OF TRADEMARK)

COSIGNER

TOXIC TORT

HOUSEHOLDER

SECURED DEBT

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