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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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Jack Donald Ward

Dispute Resolution, Intellectual Property, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

2902 Mcfarland Rd, Rockford, IL 61107

Elisa J. Whitman

Estate Planning, Contract, Banking & Finance, Collection

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6801 Spring Creek Rd, Rockford, IL 61114

Elisa Whitman

Estate Planning, Business & Trade, Banking & Finance, Collection

Status: In Good Standing

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6801 Spring Creek Rd, Rockford, IL 61114

Darron Michael Burke

Tax, Bankruptcy, Business & Trade, Collection

Status: In Good Standing Licensed: 14 Years

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3957 North Mulford Road, Rockford, IL 61114

Jeffrey Dahlberg

Traffic, Estate Planning, Family Law, Bankruptcy

Status: In Good Standing Licensed: 34 Years

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5130 North 2Nd Street, Loves Park, IL 61111

Bernard Joseph Natale

Bankruptcy & Debt, Commercial Bankruptcy, Consumer Bankruptcy

Status: In Good Standing

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1639 North Alpine Road, Rockford, IL 61107

Bernard Natale

Bankruptcy

Status: In Good Standing

CONTACT

1639 North Alpine Road, Rockford, IL 61107

Amy Sue Beckmann

Bankruptcy, International, Bankruptcy & Debt

Status: In Good Standing Licensed: 18 Years

CONTACT

1410 N Main St, Rockford, IL 61103

Amy Sue Beckmann

International, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 18 Years

CONTACT

1410 N Main St, Rockford, IL 61103

Brian Andrew Hart

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

1410 N. Main Street, Rockford, IL 61103

800-923-0641

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LEGAL TERMS

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

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.

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.

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.

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Roscoe Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jack Donald Ward

Elisa J. Whitman

Elisa Whitman

Darron Michael Burke

Jeffrey Dahlberg

Bernard Joseph Natale

Bernard Natale

Amy Sue Beckmann

Amy Sue Beckmann

Brian Andrew Hart

TIPS

LEGAL TERMS

REPOSSESSION

FORBEARANCE

FAIR LABOR STANDARDS ACT (FLSA)

CHAPTER 13 PLAN

UNSECURED DEBT

ADMINISTRATIVE EXPENSES

CREDIT INSURANCE

NUISANCE FEES

GUARANTEED RESERVATION

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