Decatur Bankruptcy & 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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James Arthur Coale

Government, Transactions, Bankruptcy

Status: Licensed: 50 Years

CONTACT

111 E Main Street, Decatur, IL 62523

Andrew Douglas Bourey

Estate Planning, Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status: Licensed: 23 Years

CONTACT

225 S Main St, Decatur, IL 62523

David Reimer

Estate Planning, Family Law, Divorce, Bankruptcy

Status: Licensed: 15 Years

CONTACT

132 S Water St, Decatur, IL 62523

William Trimble

Tax, Insurance, Transactions, Bankruptcy, Litigation

Status:

CONTACT

132 South Water Street, Decatur, IL 62525

John L. Greenleaf

Education, Visa, Wills, Estate, Bankruptcy

Status:

CONTACT

2456 North Main Street, Decatur, IL 62526

John Greenleaf

Wills, Wills & Probate, Estate Planning, Estate, Bankruptcy

Status:

CONTACT

2456 North Main Street, Decatur, IL 62526

Julie Beyers

Litigation, Banking & Finance, Collection, Bankruptcy

Status: Licensed: 32 Years

CONTACT

601 E William St, Decatur, IL 62525

Monica Hawkins

Workers' Compensation, DUI-DWI, Collection, Personal Injury

Status: Licensed: 28 Years

CONTACT

363 S Main St, Decatur, IL 62523

Diane Couri

Bankruptcy

Status: Licensed: 13 Years

CONTACT

132 S Water St, Decatur, IL 62523

Faiq Mihlar

Real Estate, Litigation, Collection, Bankruptcy

Status: Licensed: 24 Years

CONTACT

601 E William St, Decatur, IL 62525

800-814-6700

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LEGAL TERMS

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

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.

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.

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.

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).

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.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

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.

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Decatur Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

James Arthur Coale

Andrew Douglas Bourey

David Reimer

William Trimble

John L. Greenleaf

John Greenleaf

Julie Beyers

Monica Hawkins

Diane Couri

Faiq Mihlar

TIPS

LEGAL TERMS

CREDITOR

INFRINGEMENT (OF TRADEMARK)

CHAPTER 13 PLAN

FAIR CREDIT REPORTING ACT (FCRA)

PRESUMED ABUSE

LIEN

NUISANCE FEES

C CORPORATION

SECRET WARRANTY PROGRAM

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