Melvin Bankruptcy & Debt Lawyer, Illinois, page 2

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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
1. Contact
2. Email
3. Refer
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7. Profile

Sarah Duffy

Personal Injury, Collection, Divorce, Estate Planning

Status: Licensed: 18 Years

CONTACT

210 N Main St, Pontiac, IL 61764

Briana Czajka

Bankruptcy, Bankruptcy & Debt, International Tax, Transactions

Status: Licensed: 45 Years

CONTACT

307 West Washington Street, Pontiac, IL 61764

Brian Michael Gabor

Traffic, Divorce, DUI-DWI, Collection

Status: Licensed: 27 Years

CONTACT

207 W Madison St, Pontiac, IL 61764

Curtis W. Myers

Real Estate, Trusts, Adoption, Bankruptcy

Status: Licensed: 53 Years

CONTACT

222 W Madison St, Pontiac, IL 61764

Guy Charles Hall

Tax, Health Care Other, Municipal, Collection, Real Estate

Status: Licensed: 42 Years

CONTACT

301 N Neil St, Champaign, IL 61820

Brett Kepley

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status:

CONTACT

302 N First St, Champaign, IL 61820

Stephanie Ann Hall

Family Law, Real Estate, Government, Business, Bankruptcy & Debt

Status: Licensed: 12 Years

CONTACT

306 W Church St, Champaign, IL 61820

Jason Bartell

Bankruptcy & Debt, Commercial Bankruptcy, Business, Merger & Acquisition

Status: Licensed: 28 Years

CONTACT

10 East Main Street, Champaign, IL 61820

Joseph Chamley

Municipal, Estate Planning, Banking & Finance, Bankruptcy

Status: Licensed: 31 Years

CONTACT

44 Main St, Champaign, IL 61820

Andrew Hatch

Divorce, DUI-DWI, Civil Rights, Collection

Status: Licensed: 24 Years

CONTACT

100 N Chestnut St, Champaign, IL 61820

800-814-6700

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LEGAL TERMS

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

CREDIT FILE

See credit report.

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.'

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

CCCS

See Consumer Credit Counseling Service.

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.

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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Melvin Bankruptcy & Debt Lawyer, Illinois, page 2

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Sarah Duffy

Briana Czajka

Brian Michael Gabor

Curtis W. Myers

Guy Charles Hall

Brett Kepley

Stephanie Ann Hall

Jason Bartell

Joseph Chamley

Andrew Hatch

TIPS

LEGAL TERMS

TRADE NAME

CURRENT MONTHLY INCOME

CREDIT FILE

LOSS DAMAGE WAIVER (LDW)

CREDIT INSURANCE

DEFINED CONTRIBUTION PLAN

CCCS

DISPOSABLE INCOME

LIEN

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