Oakford 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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Brian Jay Dees

Alimony & Spousal Support, Adoption, Administrative Law, Bankruptcy

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CONTACT

1035 South Second Street, Springfield, IL 62704

H. Allen Yow

Alimony & Spousal Support, Child Support, Adoption, Collection

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232 West State Street, Jacksonville, IL 62650

Fredric Benson

Administrative Law, Bankruptcy, Business Organization, Contract

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1307 South 7th Street, Springfield, IL 62703

Ted G. Collins

Estate Planning, Civil Rights, Collection, Personal Injury, Divorce & Family Law

Status: Licensed: 49 Years

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177 W Lincoln Ave, Lewistown, IL 61542

Stephanie Johnson

Divorce & Family Law, Adoption, Collection, Estate Planning

Status: Licensed: 30 Years

CONTACT

171 W. Lincoln Avenue, Lewistown, IL 61542

Timothy Jacob Wessel

DUI-DWI, Civil Rights, Banking & Finance, Collection

Status: Licensed: 16 Years

CONTACT

114 East Seconf Street, Beardstown, IL 62618

Hugh F. Drake

Elder Law, Contract, Credit & Debt, Collection

Status: Licensed: 26 Years

CONTACT

205 S Fifth St, Springfield, IL 62705

Emmet A. Fairfield

Corporate, Banking & Finance, Bankruptcy Litigation, Bankruptcy

Status: Licensed: 44 Years

CONTACT

205 S Fifth St, Springfield, IL 62705

Kristina Mucinskas

Estate Planning, Transactions, Banking & Finance, Collection

Status:

CONTACT

One N. Old State Capitol Pl, Springfield, IL 62701

Samuel J. Witsman

Municipal, Banking & Finance, Business, Collection, Business & Trade

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CONTACT

1 N Old Capitol Plaza, Springfield, IL 62701

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.

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.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

CREDIT FILE

See credit report.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

Oakford Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Brian Jay Dees

H. Allen Yow

Fredric Benson

Ted G. Collins

Stephanie Johnson

Timothy Jacob Wessel

Hugh F. Drake

Emmet A. Fairfield

Kristina Mucinskas

Samuel J. Witsman

TIPS

LEGAL TERMS

TRADE NAME

FAIR CREDIT REPORTING ACT (FCRA)

NUISANCE FEES

FRATERNAL BENEFIT SOCIETY BENEFITS

ABUSE

DOING BUSINESS AS (DBA)

CREDIT FILE

GUARANTEED RESERVATION

COLLATERAL

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