Williamsville 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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Denise M. Druhot

Administrative Law, Age Discrimination, Americans with Disabilities Act , Arbitration, Collection

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205 S. Fifth Street, Springfield, IL 62701

Fredric Benson

Administrative Law, Bankruptcy, Business Organization, Contract

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1307 South 7th Street, Springfield, IL 62703

Brian Jay Dees

Alimony & Spousal Support, Adoption, Administrative Law, Bankruptcy

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1035 South Second Street, Springfield, IL 62704

Bruce Kugler

Bankruptcy, Workers' Compensation, Personal Injury, Immigration

Status: Licensed: 38 Years

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Riverton, IL 62684

Kenneth Raymond Boyle

Medical Malpractice, Family Law, Criminal, Civil Rights, Bankruptcy

Status: Licensed: 19 Years

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1200 Capital Airport Dr, Springfield, IL 62707

Sarah Lynn Beuning

Employee Rights, Bankruptcy

Status: Licensed: 25 Years

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100 N 16Th St, Springfield, IL 62703

Nancy Jill Cox

Bankruptcy

Status: Licensed: 23 Years

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Springfield, IL 62791

Amy Dorothy Gerloff

Estate, Health Care Other, Employee Rights, Bankruptcy, Estate Planning

Status: Licensed: 21 Years

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340 W Miller Street, Springfield, IL 62702

Karen Sue Tharp

Aviation, Commercial Bankruptcy, Insurance

Status: Licensed: 37 Years

CONTACT

200 S 9Th St, Springfield, IL 62701

Joel Anthony Benoit

Bankruptcy, Civil Rights, Environmental Law Other, Divorce, Environmental Law

Status: Licensed: 34 Years

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200 South Ninth Street, Springfield, IL 62701

800-814-6700

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LEGAL TERMS

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

FDCPA

See Fair Debt Collections & Practices Act.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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Williamsville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Denise M. Druhot

Fredric Benson

Brian Jay Dees

Bruce Kugler

Kenneth Raymond Boyle

Sarah Lynn Beuning

Nancy Jill Cox

Amy Dorothy Gerloff

Karen Sue Tharp

Joel Anthony Benoit

TIPS

LEGAL TERMS

CHAPTER 7 BANKRUPTCY

GARNISHMENT

SECURED DEBT

FAIR CREDIT REPORTING ACT (FCRA)

COLLECTION AGENCY

FDCPA

SETOFF

CHAPTER 13 BANKRUPTCY

UNSECURED DEBT

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