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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Michael W. Huseman

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

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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

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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

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

FCRA

See Fair Credit Reporting Act.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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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

ACCORD AND SATISFACTION

GUARANTOR

FCRA

DISCHARGE (OF DEBTS)

REDEMPTION

BULK SALES LAW

CHAPTER 13 BANKRUPTCY

TRUTH IN LENDING ACT (TILA)

MEANS TEST

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