Nachusa Collection 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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Douglas Edwin Lee

Sexual Harassment, Contract, Collection, Defamation & Slander

Status: Licensed: 37 Years

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309 S Galena Ave, Dixon, IL 61021

Kathleen Ann Isley

Elder Law, Contract, Collection, Medical Malpractice

Status: Licensed: 20 Years

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101 South 4Th St, Oregon, IL 61061

Kelli Walker

Divorce & Family Law, Transactions, Collection, Bankruptcy, Child Custody

Status: Licensed: 34 Years

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1202 E Fourth St, Sterling, IL 61081

Theron Burall

Criminal, Collection, Personal Injury

Status: Licensed: 25 Years

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502 E 2Nd St, Sterling, IL 61081

Constance Augsburger

Civil Rights, Collection, Estate Planning, Federal Appellate Practice, Family Law

Status: Licensed: 41 Years

CONTACT

301 E Brayton Rd, Mount Morris, IL 61054

Trent Bush

Employee Rights, Civil Rights, Banking & Finance, Collection, Landlord-Tenant

Status: Licensed: 26 Years

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202 E 5Th St, Sterling, IL 61081

Lisa A. Gabriel

Immigration, Adoption, Collection, Bankruptcy

Status: Licensed: 38 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

Kathleen Ann Isley

Criminal, Adoption, Child Custody, Collection

Status: Licensed: 21 Years

CONTACT

1090 N Seventh St, Rochelle, IL 61068

Michael Lee Henneberry

Municipal, Divorce & Family Law, Criminal, Collection, Divorce

Status: Licensed: 44 Years

CONTACT

17477 2400 North Ave, Walnut, IL 61376

Kathleen Michelle Stevenson

Divorce & Family Law, Trade Associations, Business & Trade, Collection

Status: Licensed: 21 Years

CONTACT

1316 Meriden St, Mendota, IL 61342

800-814-6700

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LEGAL TERMS

FCRA

See Fair Credit Reporting Act.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

FDCPA

See Fair Debt Collections & Practices Act.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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Nachusa Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Douglas Edwin Lee

Kathleen Ann Isley

Kelli Walker

Theron Burall

Constance Augsburger

Trent Bush

Lisa A. Gabriel

Kathleen Ann Isley

Michael Lee Henneberry

Kathleen Michelle Stevenson

TIPS

LEGAL TERMS

FCRA

CREDIT BUREAU

COLLECTION AGENCY

FDCPA

NUISANCE FEES

PRESUMED ABUSE

401(K) PLAN

ADMINISTRATIVE EXPENSES

BANKRUPTCY

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