North Aurora 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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2. Email
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Michael W. Huseman

Bankruptcy & Debt, Litigation, Personal Injury, Landlord-Tenant, Condominiums

Status:

CONTACT

1999 West Downer Place, Aurora, IL 60506

David Siegel

Bankruptcy & Debt, Bankruptcy, Divorce & Family Law, Family Law

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FREE CONSULTATION

CONTACT

1700 N. Farnsworth Ave., Aurora, IL 60505

Reginald Campbell

Child Support, Criminal, Business Organization, Collection, DUI-DWI

Status: Licensed: 34 Years

CONTACT

605 N. Broadway, Aurora, IL 60505

Lawrence William Lobb

Estate Planning, Transactions, Collection, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

111 Flinn St, Batavia, IL 60510

James James

Other, Civil Rights, Banking & Finance, Collection, Motor Vehicle

Status: Licensed: 42 Years

CONTACT

1961 W Downer Pl, Aurora, IL 60506

Jonathan Blake Shanower

Landlord-Tenant, Litigation, Civil Rights, Collection

Status:

CONTACT

1999 W. Downer Place, Aurora, IL 60506

Bradley Covey

Bankruptcy & Debt, Bankruptcy, Consumer Bankruptcy, Bankruptcy

Status:

CONTACT

428 South Batavia Ave, Batavia, IL 60510

Linda Marie Holzrichter

Estate Planning, Family Law, Divorce & Family Law, Bankruptcy

Status: Licensed: 34 Years

CONTACT

16 S Locust St, Aurora, IL 60506

Carolyn Jansons

Divorce, Civil Rights, Corporate, Collection

Status:

CONTACT

111 Flinn Street, Batavia, IL 60510

Roman Joseph Seckel

Divorce, Civil Rights, Corporate, Collection

Status:

CONTACT

111 Flinn St, Batavia, IL 60510

800-814-6700

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LEGAL TERMS

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

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.

FCBA

See Fair Credit Billing Act.

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.

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.

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.

North Aurora Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Michael W. Huseman

David Siegel

Reginald Campbell

Lawrence William Lobb

James James

Jonathan Blake Shanower

Bradley Covey

Linda Marie Holzrichter

Carolyn Jansons

Roman Joseph Seckel

TIPS

LEGAL TERMS

MEETING OF CREDITORS

CREDIT BUREAU

COLLATERAL

ADMINISTRATIVE EXPENSES

FCBA

PRESUMED ABUSE

FAIR CREDIT REPORTING ACT (FCRA)

TOXIC TORT

CREDITOR

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