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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
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C. David Ward

Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

2756 Route 34, Oswego, IL 60543

Michael W. Huseman

Bankruptcy & Debt, Litigation, Personal Injury, Landlord-Tenant, Condominiums

Status: In Good Standing

CONTACT

1999 West Downer Place, Aurora, IL 60506

Thomas St. Jules

Family Law, Criminal, Collection, Personal Injury

Status: In Good Standing

CONTACT

1999 West Downer Place, Aurora, IL 60506

Jonathan Blake Shanower

Landlord-Tenant, Litigation, Civil Rights, Collection

Status: In Good Standing

CONTACT

1999 W. Downer Place, Aurora, IL 60506

James James

Other, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 41 Years

CONTACT

1961 W Downer Pl, Aurora, IL 60506

James Charles James

Motor Vehicle, Divorce, Collection, Car Accident

Status: In Good Standing Licensed: 41 Years

CONTACT

1961 W Downer Pl, Aurora, IL 60506

Bonnie Lee Kunkel

Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

1527 Prairie St, Aurora, IL 60506

Bonnie Kunkel

Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

1527 Prairie St, Aurora, IL 60506

Charles David Ward

Landlord-Tenant, Child Custody, Misdemeanor, Bankruptcy

Status: In Good Standing Licensed: 50 Years

CONTACT

1234 Douglas Road, Oswego, IL 60543

Daniel Roger Mintz

Traffic, Family Law, DUI-DWI, Bankruptcy

Status: In Good Standing Licensed: 46 Years

CONTACT

67 E Downer Pl, Aurora, IL 60505

800-923-0641

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LEGAL TERMS

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.

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.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.

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.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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Montgomery Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

C. David Ward

Michael W. Huseman

Thomas St. Jules

Jonathan Blake Shanower

James James

James Charles James

Bonnie Lee Kunkel

Bonnie Kunkel

Charles David Ward

Daniel Roger Mintz

TIPS

LEGAL TERMS

CREDIT INSURANCE

ACCORD AND SATISFACTION

CREDITOR

FRATERNAL BENEFIT SOCIETY BENEFITS

IRS EXPENSES

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

REPOSSESSION

SUBROGATION

MEANS TEST

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