Madison County, IL Bankruptcy & Debt Lawyers

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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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Susan F. Grammer

Bankruptcy, Criminal, DUI-DWI, Traffic

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FREE CONSULTATION

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2 Terminal Dr., East Alton, IL 62024

Robert Gregory Lathram

Government, Criminal, Bankruptcy & Debt, Divorce & Family Law, Business

Status: Licensed: 36 Years

FREE CONSULTATION

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203 W Main St, Collinsville, IL 62234

Mark Silvermintz

Litigation, Credit & Debt, Business

Status:

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1355 North Bluff Road, Collinsville, IL 62234

Ebony R. Huddleston

Corporate, Business Successions, Business Organization, Bankruptcy Litigation

Status: Licensed: 19 Years

CONTACT

1401 Washington Ave, Alton, IL 62002

Phillip H. Hamilton

Class Action, Business Successions, Administrative Law, Bankruptcy Litigation

Status: Licensed: 36 Years

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1305 D'Adrian Prof Park, Godfrey, IL 62035

Brian R. Kalb

Construction Contracts, Bad Faith, Commercial Insurance, Collection, Municipal

Status: Licensed: 24 Years

CONTACT

411 St Louis St, Edwardsville, IL 62025

Karl J. Wulff

Criminal, Corporate, Bankruptcy, Bankruptcy & Debt

Status:

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430 Regency Ctr, Collinsville, IL 62234

Robert Bruegge

Insurance, Bankruptcy

Status:

CONTACT

1606 E.Port Plaza Dr, Collinsville, IL 62234

Phillip Andrew Theis

International Tax, Estate Planning, Securities, Collection

Status: Licensed: 35 Years

CONTACT

2145 Pontoon Rd, Granite City, IL 62040

Joel Alan Kunin

Litigation, Visa, Bankruptcy, Personal Injury, Banking & Finance

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CONTACT

2227 S State Rt 157, Edwardsville, IL 62025

800-814-6700

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Lawyer.com can help you easily and quickly find Illinois Bankruptcy & Debt Lawyers and Illinois Bankruptcy & Debt Law Firms. Find Bankruptcy & Debt attorneys by major city or select a city from the list of all Illinois cities. Alternatively you can search for Bankruptcy & Debt attorneys for all Illinois cities or search by county. You may also also find it useful to refine your search by specific Bankruptcy & Debt practice areas such as Bankruptcy, Collection, Credit & Debt, Reorganization and Workout matters.

LEGAL TERMS

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

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.'

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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).

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Madison County, IL Bankruptcy & Debt Lawyers

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Susan F. Grammer

Robert Gregory Lathram

Mark Silvermintz

Ebony R. Huddleston

Phillip H. Hamilton

Brian R. Kalb

Karl J. Wulff

Robert Bruegge

Phillip Andrew Theis

Joel Alan Kunin

TIPS

LEGAL TERMS

DISPOSABLE INCOME

FAIR CREDIT BILLING ACT (FCBA)

UNSECURED DEBT

GUARANTOR

LOSS DAMAGE WAIVER (LDW)

401(K) PLAN

GUARANTEED RESERVATION

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

CREDIT REPORT

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