Romeoville 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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2. Email
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Ronald D. Cummings

Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

121 Springfield Avenue, Joliet, IL 60435

Mazyar Malek Hedayat

Litigation, Estate Planning, Family Law, Bankruptcy

Status: In Good Standing

CONTACT

1211 W Lakeview Ct, Romeoville, IL 60446

Mazyar Hedayat

Litigation, Estate Planning, Family Law, Bankruptcy

Status: In Good Standing

CONTACT

1211 W Lakeview Ct, Romeoville, IL 60446

Sara Joanna Gray

Bankruptcy & Debt, Criminal, Traffic, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 25 Years

CONTACT

1429 Plainfield Road, Joliet, IL 60435

John Dent

Real Estate, Divorce & Family Law, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 29 Years

CONTACT

1000 S Hamilton St, Lockport, IL 60441

John Charles Dent

Real Estate, Divorce & Family Law, Bankruptcy, Accident & Injury

Status: In Good Standing Licensed: 29 Years

CONTACT

1000 S Hamilton St, Lockport, IL 60441

David Siegel

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

Status: In Good Standing

FREE CONSULTATION

CONTACT

54 N. Ottawa St., Joliet, IL 60432

William Patrick Drew

Commercial Real Estate, Estate Planning, Transactions, Bankruptcy

Status: In Good Standing Licensed: 36 Years

CONTACT

1063 E. 9Th Street, Lockport, IL 60441

Firas Abunada

Divorce & Family Law, Bankruptcy, Traffic, Foreclosure, Divorce

Status: In Good Standing

CONTACT

1861 Black Road, Joliet, IL 60435

John C. Renzi

Power of Attorney, Foreclosure, Health Care, Trusts, Bankruptcy & Debt

Status: In Good Standing

CONTACT

1861 Black Road, Joliet, IL 60435

800-923-0641

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LEGAL TERMS

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

CREDITOR

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

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

COLLATERAL

Property that guarantees payment of a secured debt.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

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Romeoville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Ronald D. Cummings

Mazyar Malek Hedayat

Mazyar Hedayat

Sara Joanna Gray

John Dent

John Charles Dent

David Siegel

William Patrick Drew

Firas Abunada

John C. Renzi

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LEGAL TERMS

PRESUMED ABUSE

FAIR CREDIT REPORTING ACT (FCRA)

CREDITOR

NO-FAULT INSURANCE

NUISANCE FEES

CREDIT REPORT

COLLATERAL

BULK SALES LAW

TRADE DRESS

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