Time Bankruptcy & Debt Lawyer, Illinois

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H. Allen Yow

Alimony & Spousal Support, Child Support, Adoption, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

David Bruce Shaw

Collection, Transactions, Wills & Probate, Estate
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  44 Years

Jesse Gilsdorf

Bankruptcy, Bankruptcy, Family Law, Criminal
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  31 Years

Jeffrey L. Soltermann

Adoption, Collection, Consumer Bankruptcy, Bankruptcy Litigation
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  31 Years

Thomas L. Veith

Construction Contracts, Consumer Protection, Commercial Banks, Collection, Alimony & Spousal Support
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  36 Years

Amy L. Jackson

Criminal, Administrative Law, Collection, Animal Bite
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  33 Years

Mark L. Vincent

Real Estate, Health Care, Employment, Bankruptcy
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  33 Years

Carrie Leigh Magerl

Divorce & Family Law, Bankruptcy, Family Law, Civil Rights
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           Licensed:  18 Years

Clay Nordsiek

Bankruptcy, Estate Planning, Estate
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

Eddie Carpenter

Federal Appellate Practice, Civil Rights, Transactions, Collection
Status:  In Good Standing *Status is reviewed annually. For latest information visit here           

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LEGAL TERMS

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)
A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)
In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)
Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)
A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

FCBA

See Fair Credit Billing Act.

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