Beecher Credit & Debt Lawyer, Illinois, page 2

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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
1. Contact
2. Email
3. Refer
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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

Joseph Albert Kearney

Commercial Real Estate, Criminal, Transactions, Credit & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

631 E Boughton Rd, Bolingbrook, IL 60440

Richard Utman

General Practice

Status: In Good Standing

CONTACT

3115 S Michigan Ave, Chicago, IL 60616

Charles Zuganelis

Real Estate, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

2536 S. California Ave., Chicago, IL 60608

David Sebastian Aschinberg

Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

1945 South Halsted Street, Chicago, IL 60608

James Robert Smith

Bankruptcy & Debt, Litigation, Construction Liens, Credit & Debt

Status: In Good Standing

CONTACT

392 North Delaplaine, Riverside, IL 60546

James R. Smith

Construction Liens, Litigation, Intellectual Property, Credit & Debt

Status: In Good Standing

CONTACT

392 North Delaplaine, Riverside, IL 60546

John M. Kienzle

General Practice

Status: In Good Standing

CONTACT

3970 Garden Ave, Western Springs, IL 60558

John Josef Rademacher

Litigation, Civil Rights, Life & Health, Credit & Debt

Status: In Good Standing Licensed: 56 Years

CONTACT

322 South Green Street, Chicago, IL 60607

John J Rademacher

General Practice

Status: Suspended Licensed: 44 Years

CONTACT

322 S Green St, Chicago, IL 60607

800-923-0641

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LEGAL TERMS

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a 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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

FCRA

See Fair Credit Reporting Act.

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.

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.

SAMPLE LEGAL CASES

Portfolio Acquisitions, LLC v. Feltman

... On June 28, 2005, plaintiff filed its initial complaint against defendant to collect on an alleged defaulted credit card debt. ... Plaintiff asserts that it is well entrenched in Illinois law that the statute of limitations for an action on a credit card debt is 10 years. ...

Treadway v. NATIONS CREDIT FINANCIAL SERVS.

... appeals the order of the circuit court of Madison County that dismissed his class action complaint against the defendant, Nations Credit Financial Services ... knowingly done, shall be deemed a forfeiture of the entire interest which the note, bill, or other evidence of debt carries with ...

Laubner v. JP Morgan Chase Bank, NA

... More to the point, plaintiffs have not set forth any facts to show why $11,500 per month is not enough to sustain their respective lifestyles in a manner that is "comfortable." Plaintiffs make no allegations of debt (aside from the credit debt that trustees paid off), steep mortgage ...

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Beecher Credit & Debt Lawyer, Illinois, page 2

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

James M. Chesloe

Joseph Albert Kearney

Richard Utman

Charles Zuganelis

David Sebastian Aschinberg

James Robert Smith

James R. Smith

John M. Kienzle

John Josef Rademacher

John J Rademacher

TIPS

LEGAL TERMS

COSIGNER

SECRET WARRANTY PROGRAM

WORKOUT

CREDIT REPORT

BANKRUPTCY TRUSTEE

MEETING OF CREDITORS

FCRA

UNDUE HARDSHIP

MEANS TEST

SAMPLE LEGAL CASES

Portfolio Acquisitions, LLC v. Feltman

Treadway v. NATIONS CREDIT FINANCIAL SERVS.

Laubner v. JP Morgan Chase Bank, NA

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