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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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James Stephen Teykl

Civil Rights, Collection, Corporate, Trusts

Status: Licensed: 45 Years

CONTACT

Crete, IL 60417

Sherry Lynette Howard

Bankruptcy, Transactions

Status: Licensed: 34 Years

CONTACT

30 E 34Th St, Steger, IL 60475

Laouida Glover

Estate, Divorce & Family Law, Business, Bankruptcy

Status: Licensed: 32 Years

CONTACT

Steger, IL 60475

Laquida Glover

Bankruptcy, Wills & Probate, Estate

Status: Licensed: 32 Years

CONTACT

Steger, IL 60475

Hana Marie Kimmel

Collection

Status: Licensed: 29 Years

CONTACT

Chicago Heights, IL 60412

Summer Mcelroy

Estate Planning, Divorce & Family Law, Transactions, Bankruptcy

Status: Licensed: 18 Years

CONTACT

4747 Lincoln Mall Drive, Matteson, IL 60443

George F. Laforte

Civil Rights, Contract, Collection, Personal Injury, Lawsuit

Status: Licensed: 59 Years

CONTACT

19815 Governors Hwy, Flossmoor, IL 60422

Katherine G. File

Banking & Finance, Bankruptcy & Debt

Status: Licensed: 44 Years

CONTACT

3033 Bob O Link Rd, Flossmoor, IL 60422

Mary Kathryn Duggan

Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status: Licensed: 42 Years

CONTACT

Flossmoor, IL 60422

April Senter

Health Care Other, Estate Planning, Employee Rights, Bankruptcy

Status: Licensed: 12 Years

CONTACT

19624 Governor'S Hwy, Flossmoor, IL 60422

800-814-6700

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LEGAL TERMS

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.'

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

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Crete Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

James Stephen Teykl

Sherry Lynette Howard

Laouida Glover

Laquida Glover

Hana Marie Kimmel

Summer Mcelroy

George F. Laforte

Katherine G. File

Mary Kathryn Duggan

April Senter

TIPS

LEGAL TERMS

HOUSEHOLDER

UNSECURED DEBT

FAIR CREDIT BILLING ACT (FCBA)

COLLECTION AGENCY

CHAPTER 13 PLAN

FCRA

LOSS DAMAGE WAIVER (LDW)

LIABILITY

INTEREST

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