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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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Tracy Berberich

Collection, Transactions, Municipal

Status: In Good Standing Licensed: 22 Years

CONTACT

122 East Washington Avenue, Effingham, IL 62401

Ronald Edward Fuhr

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

307 North 3Rd Street, Effingham, IL 62401

John Edgar Longwell

Real Estate, Bankruptcy, Family Law

Status: Suspended Licensed: 39 Years

CONTACT

1000 Northwood Drive, Effingham, IL 62401

Christy Black

Bankruptcy

Status: Inactive Licensed: 20 Years

CONTACT

Farina, IL 62838

Christy Rae Black

Bankruptcy

Status: Inactive Licensed: 20 Years

CONTACT

Farina, IL 62838

Rockney L. Weber

Government, Personal Injury, Bankruptcy, Corporate

Status: In Good Standing Licensed: 46 Years

CONTACT

303 South 7Th St., Vandalia, IL 62471

Walter Lookofsky

Estate Planning, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

111 E Main St, Shelbyville, IL 62565

Walter Brooks Lookofsky

Estate Planning, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

111 E Main St, Shelbyville, IL 62565

James Myers

Civil Rights, Insurance, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

Vandalia, IL 62471

James Richard Myers

Civil Rights, Insurance, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

Vandalia, IL 62471

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

FCBA

See Fair Credit Billing Act.

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.

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.

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.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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Watson Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Tracy Berberich

Ronald Edward Fuhr

John Edgar Longwell

Christy Black

Christy Rae Black

Rockney L. Weber

Walter Lookofsky

Walter Brooks Lookofsky

James Myers

James Richard Myers

TIPS

LEGAL TERMS

REPOSSESSION

CHAPTER 13 BANKRUPTCY

FCBA

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

ADMINISTRATIVE EXPENSES

COLLECTION AGENCY

COSIGNER

ABUSE

DEBT COLLECTOR

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