Homer Glen 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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Steve Beck

Bankruptcy, Divorce

Status:

FREE CONSULTATION

CONTACT

19250 Everett Lane, Mokena, IL 60448

Ronald D. Cummings

Real Estate, Bankruptcy, Bankruptcy & Debt

Status:

FREE CONSULTATION

CONTACT

121 Springfield Avenue, Joliet, IL 60435

Mark M. Berardi

Real Estate, Estate, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

14919 Founders Crossing, Lockport, IL 60491

James A. Hasier

Litigation, Banking & Finance, Bankruptcy & Debt

Status: Licensed: 37 Years

CONTACT

17634 Greenfield Court, Orland Park, IL 60467

William Patrick Drew

Commercial Real Estate, Estate Planning, Transactions, Bankruptcy

Status: Licensed: 36 Years

CONTACT

1063 E. 9Th Street, Lockport, IL 60441

Roberta C Conwell

Real Estate, Divorce & Family Law, Transactions, Bankruptcy

Status: Licensed: 29 Years

CONTACT

13600 Overland Trail, Orland Park, IL 60467

Ashley Kaye Rasmussen

Landlord-Tenant, Civil Rights, Bankruptcy & Debt, Banking & Finance

Status: Licensed: 46 Years

CONTACT

10729 W 159Th St, Orland Park, IL 60467

James Richert

Other, Real Estate, Business, Bankruptcy, Corporate

Status:

CONTACT

10723 W 159Th St, Orland Park, IL 60467

Sandra Makowka

Commercial Real Estate, Estate, Transactions, Bankruptcy

Status: Licensed: 20 Years

CONTACT

10729 W 159Th St, Orland Park, IL 60467

Ashley Rasmussen

Landlord-Tenant, Civil Rights, Bankruptcy & Debt, Trusts, Commercial Real Estate

Status: Licensed: 16 Years

CONTACT

10729 W 159Th St, Orland Park, IL 60467

800-814-6700

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

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.

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).

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

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.

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Homer Glen Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Steve Beck

Ronald D. Cummings

Mark M. Berardi

James A. Hasier

William Patrick Drew

Roberta C Conwell

Ashley Kaye Rasmussen

James Richert

Sandra Makowka

Ashley Rasmussen

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

DISCHARGEABLE DEBTS

NUISANCE FEES

LIEN

IRS EXPENSES

ACCORD AND SATISFACTION

GUARANTEED RESERVATION

DOING BUSINESS AS (DBA)

FAIR CREDIT REPORTING ACT (FCRA)

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