Clay City 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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Not enough matches for Clay City Credit & Debt lawyer.
Below are all Clay City Bankruptcy & Debt lawyers.

Mandy L. Combs

Bankruptcy, Credit & Debt, Estate Planning, Foreclosure

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1115 Harrison, Mount Vernon, IL 62864

Bartley Zuber

Litigation, Divorce & Family Law, Criminal, Collection, Real Estate

Status: Licensed: 25 Years

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117 S Kitchell Ave, Olney, IL 62450

Chelsey C. Hurn

Traffic, Estate Planning, Criminal, Bankruptcy

Status: Licensed: 14 Years

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305 E Main St, Olney, IL 62450

Chelsey Clark

Divorce & Family Law, Criminal, Bankruptcy, Estate Planning

Status: Licensed: 14 Years

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305 E. Main St., Olney, IL 62450

Christy Black

Bankruptcy

Status: Licensed: 21 Years

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Farina, IL 62838

James Dudley Stout

Collection, Civil Rights, Estate Planning, Federal Appellate Practice

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Bridgeport, IL 62417

Lindsey Diane Waldrop

Estate Planning, Divorce, Elder Law, Collection

Status: Licensed: 23 Years

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324 N Main St, Bridgeport, IL 62417

Tracy Berberich

Collection, Transactions, Municipal

Status: Licensed: 23 Years

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122 East Washington Avenue, Effingham, IL 62401

Ronald Edward Fuhr

Litigation, Banking & Finance, Collection, Bankruptcy

Status: Licensed: 41 Years

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307 North 3Rd Street, Effingham, IL 62401

Samuel Bauerle

Family Law, Divorce, Transactions, Bankruptcy

Status: Licensed: 49 Years

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321 West Mcmackin Street, Salem, IL 62881

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LEGAL TERMS

COLLATERAL

Property that guarantees payment of a secured debt.

CREDIT FILE

See credit report.

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.

FCRA

See Fair Credit Reporting Act.

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.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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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Clay City Credit & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Mandy L. Combs

Bartley Zuber

Chelsey C. Hurn

Chelsey Clark

Christy Black

James Dudley Stout

Lindsey Diane Waldrop

Tracy Berberich

Ronald Edward Fuhr

Samuel Bauerle

TIPS

LEGAL TERMS

COLLATERAL

CREDIT FILE

WORKOUT

FCRA

COLLECTION AGENCY

CREDIT BUREAU

REDEMPTION

FAIR CREDIT REPORTING ACT (FCRA)

ACCORD AND SATISFACTION

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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