Manteno 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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Samantha L. Sweeney

Divorce & Family Law, Estate, Real Estate, Collection

Status: In Good Standing Licensed: 14 Years

CONTACT

33 N. Main St., Manteno, IL 60950

Samantha Sweeney

Collection, Divorce, Commercial Real Estate, Wills, Family Law

Status: In Good Standing

CONTACT

33 North Main Street, Manteno, IL 60950

Marshall Roy Dusenbury

Divorce, DUI-DWI, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

111 South Schuyler Avenue, Kankakee, IL 60901

Marshall Dusenbury

Divorce, DUI-DWI, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

111 South Schuyler Avenue, Kankakee, IL 60901

Brian Gordon Hiatt

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

Status: In Good Standing Licensed: 26 Years

CONTACT

1 Dearborn Square, Kankakee, IL 60901

Brian Hiatt

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

Status: In Good Standing Licensed: 26 Years

CONTACT

1 Dearborn Square, Kankakee, IL 60901

Rebecca S. Souligne

Estate Planning, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

470 E. Merchant, Kankakee, IL 60901

Rebecca Souligne

Estate Planning, Child Custody, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

470 E. Merchant, Kankakee, IL 60901

Karren Farmer

Federal Appellate Practice, Divorce, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

2 Dearborn Square, Kankakee, IL 60901

Dennis Baron

Social Security, Banking & Finance, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 47 Years

CONTACT

200 E Court St, Kankakee, IL 60901

800-923-0641

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LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

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.

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.

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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Manteno Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Samantha L. Sweeney

Samantha Sweeney

Marshall Roy Dusenbury

Marshall Dusenbury

Brian Gordon Hiatt

Brian Hiatt

Rebecca S. Souligne

Rebecca Souligne

Karren Farmer

Dennis Baron

TIPS

LEGAL TERMS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

COLLECTION AGENCY

DISCHARGEABLE DEBTS

COSIGNER

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

REPOSSESSION

ACCORD AND SATISFACTION

DISCHARGE (OF DEBTS)

FAIR CREDIT REPORTING ACT (FCRA)

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