Algonquin Credit & 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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John Harold Redfield

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Bankruptcy & Debt, Credit & Debt

Chicago Bankruptcy Attorney John Redfield has more than 40 years of experience in bankruptcy law. He holds his Masters of Law in taxation and is a cer... (more)

CONTACT

312-641-6777

135 S Lasalle St, Chicago, IL 60603

David W. Nordin

Bankruptcy, Credit & Debt, Family Law, Litigation, Estate Planning

Status:

FREE CONSULTATION

CONTACT

Naperville Executive Center, 1555 Naperville/Wheaton Rd., Naperville, IL 60563

Chad Hayward

Foreclosure, Real Estate, Immigration, Credit & Debt

Status:

FREE CONSULTATION

CONTACT

205 W. Randolph Street, Chicago, IL 60606

John P. Carlin

Student Rights, Credit & Debt, Collection, Bankruptcy, Commercial Real Estate

Status: Licensed: 24 Years

CONTACT

1305 Remington Rd, Schaumburg, IL 60173

James T. Magee

Real Estate, Credit & Debt, Bankruptcy, Bankruptcy & Debt, Transportation & Shipping

Status: Licensed: 55 Years

CONTACT

444 N Cedar Lake Rd, Grayslake, IL 60073

Andrea Dwyer

Personal Injury, Credit & Debt, Insurance, Family Law

Status: Licensed: 17 Years

CONTACT

1294 Yorkshire Ln, Bloomingdale, IL 60188

Elizabeth Anne Bates Lehman

Bankruptcy, Estate Planning, Litigation, Credit & Debt

Status: Licensed: 43 Years

CONTACT

300 S County Farm Rd, Wheaton, IL 60187

Laura Ladon Ellis

Wills, Elder Law, Credit & Debt, Bankruptcy

Status: Licensed: 28 Years

CONTACT

636 South Des Plaines River Road, Des Plaines, IL 60016

Marc Lichtman

Credit & Debt, Contract, Civil Rights, Transactions

Status: Licensed: 41 Years

CONTACT

1555 Eastwood Ave, Highland Park, IL 60035

Richard Hirsh

Foreclosure, Bankruptcy, Business, Credit & Debt

Status: Licensed: 49 Years

FREE CONSULTATION

CONTACT

1500 Eisenhower Lane, Lisle, IL 60532

800-814-6700

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LEGAL TERMS

FCRA

See Fair Credit Reporting Act.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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.

FCBA

See Fair Credit Billing Act.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

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.

SAMPLE LEGAL CASES

Portfolio Acquisitions, LLC v. Feltman

... On June 28, 2005, plaintiff filed its initial complaint against defendant to collect on an alleged defaulted credit card debt. ... Plaintiff asserts that it is well entrenched in Illinois law that the statute of limitations for an action on a credit card debt is 10 years. ...

Treadway v. NATIONS CREDIT FINANCIAL SERVS.

... appeals the order of the circuit court of Madison County that dismissed his class action complaint against the defendant, Nations Credit Financial Services ... knowingly done, shall be deemed a forfeiture of the entire interest which the note, bill, or other evidence of debt carries with ...

Laubner v. JP Morgan Chase Bank, NA

... More to the point, plaintiffs have not set forth any facts to show why $11,500 per month is not enough to sustain their respective lifestyles in a manner that is "comfortable." Plaintiffs make no allegations of debt (aside from the credit debt that trustees paid off), steep mortgage ...

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Algonquin Credit & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

John Harold Redfield

David W. Nordin

Chad Hayward

John P. Carlin

James T. Magee

Andrea Dwyer

Elizabeth Anne Bates Lehman

Laura Ladon Ellis

Marc Lichtman

Richard Hirsh

TIPS

LEGAL TERMS

FCRA

CURRENT MONTHLY INCOME

LOSS DAMAGE WAIVER (LDW)

CREDIT COUNSELING

IRS EXPENSES

FCBA

SETOFF

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

TRADE DRESS

SAMPLE LEGAL CASES

Portfolio Acquisitions, LLC v. Feltman

Treadway v. NATIONS CREDIT FINANCIAL SERVS.

Laubner v. JP Morgan Chase Bank, NA

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