Effingham 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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Tracy Berberich

Collection, Transactions, Municipal

Status: Licensed: 23 Years

CONTACT

122 East Washington Avenue, Effingham, IL 62401

Walter Lookofsky

Estate Planning, Divorce, DUI-DWI, Collection

Status: Licensed: 22 Years

CONTACT

111 E Main St, Shelbyville, IL 62565

Judy A. Baker

Trusts, Child Custody, Adoption, Collection, Estate Planning

Status: Licensed: 33 Years

CONTACT

201 N. Logan, Gays, IL 61928

Vernon Plummer

Social Security, Divorce, Criminal, Collection

Status: Licensed: 51 Years

CONTACT

404 N. Douglas, Shelbyville, IL 62565

Judy Baker

Collection, Estate, Bankruptcy

Status: Licensed: 34 Years

CONTACT

201 North Logan Street, Mattoon, IL 61938

Bartley Zuber

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

Status: Licensed: 25 Years

CONTACT

117 S Kitchell Ave, Olney, IL 62450

Jarred Rahar

Collection, Child Custody, Divorce, Family Law

Status:

CONTACT

1011 North Webster Street, Taylorville, IL 62568

800-814-6700

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LEGAL TERMS

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).

FCBA

See Fair Credit Billing Act.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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Effingham Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Tracy Berberich

Walter Lookofsky

Judy A. Baker

Vernon Plummer

Judy Baker

Bartley Zuber

Jarred Rahar

TIPS

LEGAL TERMS

CREDIT REPORT

FCBA

SECURED DEBT

AUTOMATIC STAY

FRATERNAL BENEFIT SOCIETY BENEFITS

DISCHARGEABLE DEBTS

COLLECTION AGENCY

DOING BUSINESS AS (DBA)

FORBEARANCE

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