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

Kristen Flood

Estate Planning, Civil Rights, Insurance, Bankruptcy

Status: Licensed: 9 Years

CONTACT

122 E Washington Ave, Effingham, IL 62401

Ronald Edward Fuhr

Litigation, Banking & Finance, Collection, Bankruptcy

Status: Licensed: 41 Years

CONTACT

307 North 3Rd Street, Effingham, IL 62401

John Edgar Longwell

Real Estate, Bankruptcy, Family Law

Status: Licensed: 40 Years

CONTACT

1000 Northwood Drive, Effingham, IL 62401

Christy Black

Bankruptcy

Status: Licensed: 20 Years

CONTACT

Farina, IL 62838

Karen Fuqua

Criminal, Bankruptcy

Status: Licensed: 45 Years

CONTACT

1617 Wabash Avenue, Mattoon, IL 61938

Ernest Waite

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy, Traffic

Status: Licensed: 25 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

David Charles Nelson

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: Licensed: 53 Years

CONTACT

1500 Broadway Avenue, Mattoon, IL 61938

Jennifer Koebele

Pension & Benefits, Criminal, Elder Law, Bankruptcy

Status: Licensed: 14 Years

CONTACT

1101 Broadway Ave, Mattoon, IL 61938

William D Mcgrath

Divorce & Family Law, Criminal, Bankruptcy, Civil Rights

Status: Licensed: 44 Years

CONTACT

421 N. 19th Street, Mattoon, IL 61938

Robert Alan Dunst

Family Law, Divorce, Bankruptcy, Accident & Injury

Status: Licensed: 43 Years

CONTACT

421 N 19Th Street, Mattoon, IL 61938

800-814-6700

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LEGAL TERMS

FCBA

See Fair Credit Billing Act.

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.

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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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Effingham Bankruptcy Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Kristen Flood

Ronald Edward Fuhr

John Edgar Longwell

Christy Black

Karen Fuqua

Ernest Waite

David Charles Nelson

Jennifer Koebele

William D Mcgrath

Robert Alan Dunst

TIPS

LEGAL TERMS

FCBA

FAIR CREDIT REPORTING ACT (FCRA)

TRADE DRESS

CHAPTER 13 BANKRUPTCY

ABUSE

WORKOUT

DISCHARGE (OF DEBTS)

FDCPA

PRESUMED ABUSE

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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