Bloomington Collection 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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Todd Roseberry

Divorce, DUI-DWI, Collection, Personal Injury

Status: Licensed: 27 Years

CONTACT

407 W Front St, Bloomington, IL 61701

Eitan Weltman

Landlord-Tenant, Transactions, Business & Trade, Collection

Status: Licensed: 46 Years

CONTACT

802 N Clinton St, Bloomington, IL 61701

Elizabeth Megli

Collection, Estate Planning, Transactions, Commercial Real Estate, Commercial Real Estate

Status: Licensed: 21 Years

CONTACT

115 W Jefferson St, Bloomington, IL 61701

Douglas Noel Koth

Workers' Compensation, Collection, Personal Injury, Traffic, Traffic

Status: Licensed: 40 Years

CONTACT

420 N Main St, Bloomington, IL 61701

William Gregory

Workers' Compensation, Collection, Personal Injury, Complex Litigation, Corporate

Status: Licensed: 28 Years

CONTACT

420 North Main Street, Bloomington, IL 61701

Carrie L. Haas

Litigation, Civil Rights, Banking & Finance, Collection

Status: Licensed: 22 Years

CONTACT

308 E Washington St, Bloomington, IL 61702

Robert Smith White

Landlord-Tenant, Divorce & Family Law, Insurance, Collection

Status: Licensed: 40 Years

CONTACT

308 E. Washington St., Bloomington, IL 61702

Gary George Johnson

Divorce & Family Law, Criminal, Collection, Traffic

Status: Licensed: 52 Years

CONTACT

202 South Eldorado Road, Bloomington, IL 61704

Chad Ritchie

Collection, Business, Civil Rights, Environmental Law, Litigation

Status: Licensed: 23 Years

CONTACT

2203 E Empire St, Bloomington, IL 61704

Kavita Uppal

Divorce, Criminal, Civil Rights, Collection

Status: Licensed: 30 Years

CONTACT

115 W Front St, Bloomington, IL 61701

800-814-6700

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LEGAL TERMS

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.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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).

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

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Bloomington Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Todd Roseberry

Eitan Weltman

Elizabeth Megli

Douglas Noel Koth

William Gregory

Carrie L. Haas

Robert Smith White

Gary George Johnson

Chad Ritchie

Kavita Uppal

TIPS

LEGAL TERMS

IRS EXPENSES

LIMITED LIABILITY

CREDIT REPORT

UNDUE HARDSHIP

SETOFF

SECURED DEBT

TRADE DRESS

SECRET WARRANTY PROGRAM

CURRENT MONTHLY INCOME

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