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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Brian Jay Dees

Alimony & Spousal Support, Adoption, Administrative Law, Bankruptcy

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1035 South Second Street, Springfield, IL 62704

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

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

Bernard Gordon Segatto

Workers' Compensation, Banking & Finance, Bankruptcy, Personal Injury

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831 E Monroe St, Springfield, IL 62705

Brittany Kink Toigo

International Tax, Estate Planning, Divorce, Bankruptcy

Status: Licensed: 14 Years

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6205 Winterberry Ln, Springfield, IL 62712

Bruce Kugler

Bankruptcy, Workers' Compensation, Personal Injury, Immigration

Status: Licensed: 38 Years

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Riverton, IL 62684

Charles Robert Vogt

Estate, Employment, Business, Bankruptcy & Debt

Status: Licensed: 43 Years

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726 S 2Nd St, Springfield, IL 62704

Charles K. Smith

Estate Planning, Family Law, Civil Rights, Bankruptcy, Intellectual Property

Status: Licensed: 54 Years

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113 E Douglas St, Petersburg, IL 62675

Cheryl Neal

Real Estate, Estate Planning, Estate, Bankruptcy & Debt

Status: Licensed: 41 Years

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1 N Old Capitol Plaza, Springfield, IL 62701

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LEGAL TERMS

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.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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Williamsville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Brian Jay Dees

Denise M. Druhot

Fredric Benson

Amy Dorothy Gerloff

Bernard Gordon Segatto

Brittany Kink Toigo

Bruce Kugler

Charles Robert Vogt

Charles K. Smith

Cheryl Neal

TIPS

LEGAL TERMS

SUBROGATION

GUARANTOR

FCRA

LIEN

UNDUE HARDSHIP

INTEREST

CHAPTER 13 PLAN

CREDIT INSURANCE

FRAUDULENT TRANSFER

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