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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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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Kameron Arthur Miller

Divorce & Family Law, Criminal, Bankruptcy, Collection

Status: Licensed: 42 Years

CONTACT

88 S. Madison Street, Carthage, IL 62321

Joseph A. Duesterhaus

Litigation, Federal Appellate Practice, Corporate, Bankruptcy

Status: Licensed: 42 Years

CONTACT

625 Vermont St, Quincy, IL 62301

Amy Lannerd

Banking & Finance, Bankruptcy, Personal Injury, Workers' Compensation

Status: Licensed: 24 Years

CONTACT

435 Hampshire Street, Quincy, IL 62301

William Mccleery

Real Estate, Litigation, Corporate, Bankruptcy

Status: Licensed: 44 Years

CONTACT

525 Jersey St, Quincy, IL 62301

Davis Dempsey

Social Security, Workers' Compensation, Employment, Bankruptcy

Status: Licensed: 37 Years

CONTACT

236 N 6Th St, Quincy, IL 62301

John R. Longlett

International Tax, Banking & Finance, Bankruptcy

Status: Licensed: 54 Years

CONTACT

525 Jersey, Quincy, IL 62301

John Longlett

International Tax, Banking & Finance, Bankruptcy

Status: Licensed: 54 Years

CONTACT

525 Jersey, Quincy, IL 62301

Derek Venvertloh

Bankruptcy, Corporate

Status: Licensed: 17 Years

CONTACT

607 Vermont St, Quincy, IL 62301

Lisa Scalf

Real Estate, Wills & Probate, Family Law, Bankruptcy

Status:

CONTACT

315 E Jackson St, Macomb, IL 61455

Mark L. Vincent

Real Estate, Health Care, Employment, Bankruptcy

Status: Licensed: 33 Years

CONTACT

118 N Capitol Ave, Mount Sterling, IL 62353

800-814-6700

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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.

FCRA

See Fair Credit Reporting Act.

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.'

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

FCBA

See Fair Credit Billing Act.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

SAMPLE LEGAL CASES

Economy Fire & Cas. Co. v. Brumfield

... Appellees and Cross-Appellants, v. Hollis L. BRUMFIELD, Defendant and Counterplaintiff- Appellant and Cross-Appellee, and Michael J. Drewes; Constance Drewes; Beau Drewes; Zachary Fitzpatrick; Dan Fitzpatrick; Cindy Fitzpatrick; Steve Miller, Trustee in Bankruptcy for the ...

Seip v. Rogers Raw Materials Fund, LP

... Upon learning this, Beeland immediately sought to have the assets transferred either to Refco, LLC, or back to the original brokerage accounts. D. Refco Bankruptcy and the Special Redemption Letter. ... (2006)). Refco, LLC, filed for bankruptcy as well in November 2005. ...

Giannini v. Kumho Tire USA, Inc.

... While there are no Illinois cases addressing the stay granted in Rule 306, Garbe Iron Works held that the two-year statute of limitations for filing a mechanics' lien foreclosure was tolled by the automatic stay provision contained in the Federal Bankruptcy Act (11 USC Â§ 362(a)(1 ...

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Basco Bankruptcy Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Kameron Arthur Miller

Joseph A. Duesterhaus

Amy Lannerd

William Mccleery

Davis Dempsey

John R. Longlett

John Longlett

Derek Venvertloh

Lisa Scalf

Mark L. Vincent

TIPS

LEGAL TERMS

PRESUMED ABUSE

FCRA

LOSS DAMAGE WAIVER (LDW)

FAIR CREDIT BILLING ACT (FCBA)

LIEN

TRADE NAME

NUISANCE FEES

FCBA

WORKOUT

SAMPLE LEGAL CASES

Economy Fire & Cas. Co. v. Brumfield

Seip v. Rogers Raw Materials Fund, LP

Giannini v. Kumho Tire USA, Inc.

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