Lawndale 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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Joseph Brian Taylor

Divorce & Family Law, Criminal, Collection, Employee Rights

Status: Licensed: 57 Years

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216 S. Center Street, Clinton, IL 61727

Jonathan A. Backman

Dispute Resolution, Banking & Finance, Antitrust, Bankruptcy

Status: Licensed: 38 Years

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117 N Center St, Bloomington, IL 61701

Todd Roseberry

Divorce, DUI-DWI, Collection, Personal Injury

Status: Licensed: 27 Years

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407 W Front St, Bloomington, IL 61701

Kavita Uppal

Divorce, Criminal, Civil Rights, Collection

Status: Licensed: 29 Years

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115 W Front St, Bloomington, IL 61701

Frank E. Hoffman

Bankruptcy & Debt, Divorce & Family Law, Estate, Adoption

Status: Licensed: 46 Years

CONTACT

401 N Main Street, Bloomington, IL 61701

Elizabeth Megli

Collection, Estate Planning, Transactions, Commercial Real Estate, Commercial Real Estate

Status: Licensed: 21 Years

CONTACT

115 W Jefferson St, Bloomington, IL 61701

Douglas Noel Koth

Workers' Compensation, Collection, Personal Injury, Traffic, Traffic

Status: Licensed: 40 Years

CONTACT

420 N Main St, Bloomington, IL 61701

William Gregory

Workers' Compensation, Collection, Personal Injury, Complex Litigation, Corporate

Status: Licensed: 28 Years

CONTACT

420 North Main Street, Bloomington, IL 61701

Carrie L. Haas

Litigation, Civil Rights, Banking & Finance, Collection

Status: Licensed: 22 Years

CONTACT

308 E Washington St, Bloomington, IL 61702

Robert Smith White

Landlord-Tenant, Divorce & Family Law, Insurance, Collection

Status: Licensed: 40 Years

CONTACT

308 E. Washington St., Bloomington, IL 61702

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LEGAL TERMS

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.

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.

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.'

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

FCBA

See Fair Credit Billing Act.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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).

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Lawndale Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Joseph Brian Taylor

Jonathan A. Backman

Todd Roseberry

Kavita Uppal

Frank E. Hoffman

Elizabeth Megli

Douglas Noel Koth

William Gregory

Carrie L. Haas

Robert Smith White

TIPS

LEGAL TERMS

NUISANCE FEES

FAIR CREDIT BILLING ACT (FCBA)

LOSS DAMAGE WAIVER (LDW)

REPOSSESSION

GUARANTOR

TOXIC TORT

FCBA

NONDISCHARGEABLE DEBTS

LIEN

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