Millbrook 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
1. Contact
2. Email
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C. David Ward

Bankruptcy

Status:

FREE CONSULTATION

CONTACT

2756 Route 34, Oswego, IL 60543

William Hotopp

Federal Appellate Practice, Family Law, Divorce & Family Law, Bankruptcy

Status: Licensed: 28 Years

CONTACT

222 E Church St, Sandwich, IL 60548

Peter L. Krentz

Estate Planning, Family Law, Collection, Personal Injury

Status: Licensed: 70 Years

CONTACT

100 W Main St, Plano, IL 60545

Julie Ann Klingbeil Boynton

Lawsuit & Dispute, Bankruptcy & Debt

Status: Licensed: 32 Years

CONTACT

2104 Village View Drive, Yorkville, IL 60560

James Aaron Webb

Condominiums, Real Estate, Divorce & Family Law, Collection

Status: Licensed: 19 Years

CONTACT

807 W John St, Yorkville, IL 60560

Behzad Raghian

Real Estate, Estate, Bankruptcy & Debt, Traffic, Traffic

Status: Licensed: 28 Years

CONTACT

759 John St, Yorkville, IL 60560

Megan Morgan Hopkins

Bankruptcy, Divorce, Family Law, Divorce & Family Law

Status: Licensed: 15 Years

CONTACT

105 W. Veterans Parkway, Yorkville, IL 60560

Thomas William Grant

Tax, Child Custody, Adoption, Collection

Status: Licensed: 55 Years

CONTACT

200 Hillcrest Ave, Yorkville, IL 60560

Meghan N. Nemiroff

Accident & Injury, Bankruptcy & Debt, Divorce & Family Law, Real Estate

Status: Licensed: 14 Years

CONTACT

123 W Washington St, Oswego, IL 60543

William Dean Lohrman

Real Estate, Traffic, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 47 Years

CONTACT

123 W Washtington St, Oswego, IL 60543

800-814-6700

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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.

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.'

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.

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.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

FCRA

See Fair Credit Reporting Act.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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Millbrook Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

C. David Ward

William Hotopp

Peter L. Krentz

Julie Ann Klingbeil Boynton

James Aaron Webb

Behzad Raghian

Megan Morgan Hopkins

Thomas William Grant

Meghan N. Nemiroff

William Dean Lohrman

TIPS

LEGAL TERMS

NUISANCE FEES

LOSS DAMAGE WAIVER (LDW)

FAIR CREDIT REPORTING ACT (FCRA)

GUARANTOR

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

INFRINGEMENT (OF TRADEMARK)

REDEMPTION

FCRA

NO-FAULT INSURANCE

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