Westchester 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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Robert Schaller

✓ VERIFIED

Estate, Real Estate, Bankruptcy & Debt, Lawsuit & Dispute

WILLS, TRUSTS, PROBATE & TAX ATTORNEY & REGISTERED CPA | EXPECT THE BEST | 37+ YEARS OF EXPERIENCE

Attorney Robert Schaller treats every client like family, giving them the time and personal attention they deserve. The law firm offers both in-office... (more)

FREE CONSULTATION

CONTACT

630-655-1233

700 Commerce Drive, Oak Brook, IL 60523

Vincent C. Machroli

✓ VERIFIED

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

OVER 30 YEARS OF EXPERIENCE IN FAMILY LAW, ESTATE PLANNING, REAL ESTATE, AND BANKRUPTCY LAW At the Law Office of Vincent C. Machroli, P.C., we are ... (more)

FREE CONSULTATION

CONTACT

708-449-7404

4415 Harrison St, Hillside, IL 60162

James M. Chesloe

Family Law, Divorce, Bankruptcy, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

1030 South La Grange Road, La Grange, IL 60525

Robert Honig

Real Estate, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

116 S. York St, Elmhurst, IL 60126

John M. Drews

Construction, Corporate, Contract, Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

700 Commerce Dr, Hinsdale, IL 60523

Jigar K. Patel

Bankruptcy, Personal Injury, Estate Planning, Litigation

Status: In Good Standing

CONTACT

10560 W. Cermak Rd., Westchester, IL 60154

Jigar Patel

Immigration, Divorce & Family Law, Bankruptcy, Business & Trade

Status: In Good Standing

CONTACT

10560 W. Cermak Rd., Westchester, IL 60154

Joseph Serpico

Divorce, DUI-DWI, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

10525 West Cermak Road, Westchester, IL 60154

Joseph Anthony Serpico

Divorce, DUI-DWI, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

10525 West Cermak Road, Westchester, IL 60154

Randall Hribal

Divorce & Family Law, Criminal, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

10500 West Cermak Road, Westchester, IL 60154

800-923-0641

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LEGAL TERMS

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

CCCS

See Consumer Credit Counseling Service.

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.

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Westchester Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Robert Schaller

Vincent C. Machroli

James M. Chesloe

Robert Honig

John M. Drews

Jigar K. Patel

Jigar Patel

Joseph Serpico

Joseph Anthony Serpico

Randall Hribal

TIPS

LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

CREDIT BUREAU

FDCPA

MEANS TEST

BANKRUPTCY TRUSTEE

SUBROGATION

LIABILITY

CCCS

WORKOUT

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