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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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2. Email
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Megan Boan

Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

227 West Madison Street, Ottawa, IL 61350

Marilyn S. Barton

Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 55 Years

CONTACT

1606 Champlain St, Ottawa, IL 61350

William T. Surin

Workers' Compensation, Family Law, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

724 Columbus St, Ottawa, IL 61350

Mark Edward Anderson

Landlord-Tenant, Federal Appellate Practice, Transactions, Collection, Social Security

Status: In Good Standing

CONTACT

511 Etna Rd, Ottawa, IL 61350

James Leo Keely

Litigation, Estate Planning, Corporate, Collection

Status: In Good Standing Licensed: 52 Years

CONTACT

500 E Main St, Ottawa, IL 61350

Stephen James West

Real Estate, Bankruptcy, Corporate, Family Law

Status: In Good Standing Licensed: 49 Years

CONTACT

628 Columbus St, Ottawa, IL 61350

Timothy F. Kohn

Collection, Transactions

Status: In Good Standing Licensed: 39 Years

CONTACT

218 W. Madison, Ottawa, IL 61350

Timothy Kohn

Collection, Transactions

Status: In Good Standing Licensed: 39 Years

CONTACT

218 W. Madison, Ottawa, IL 61350

Brian David Johnson

Social Security, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

1802 N Division St, Morris, IL 60450

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

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.

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.

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.

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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Ransom Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Megan Boan

Marilyn S. Barton

William T. Surin

Mark Edward Anderson

James Leo Keely

Stephen James West

Timothy F. Kohn

Timothy Kohn

Brian David Johnson

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LEGAL TERMS

CREDIT INSURANCE

CHAPTER 7 BANKRUPTCY

DOING BUSINESS AS (DBA)

LIQUIDATING PARTNER

GUARANTEED RESERVATION

COLLECTION AGENCY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FAIR CREDIT REPORTING ACT (FCRA)

PREFERENCE

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