Buckingham Collection 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
1. Contact
2. Email
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7. Profile

Steven Troy

Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

Channahon, IL 60410

Steven Plato Troy

Civil & Human Rights, Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

Channahon, IL 60410

Hana Marie Kimmel

Collection

Status: In Good Standing Licensed: 29 Years

CONTACT

Chicago Heights, IL 60412

Russelle L. Holsinger

Litigation, Securities Fraud , Business & Trade, Collection

Status: In Good Standing Licensed: 27 Years

CONTACT

Coal City, IL 60416

Gary K. Davidson

Commercial Real Estate, Construction, Criminal, Collection

Status: In Good Standing Licensed: 26 Years

CONTACT

58 E Clinton St, Crest Hill, IL 60432

Gary K. Davidson

Commercial Real Estate, Government Agencies, Business Organization, Collection

Status: In Good Standing Licensed: 26 Years

CONTACT

58 E Clinton St, Crest Hill, IL 60432

James Stephen Teykl

Civil Rights, Collection, Corporate, Trusts

Status: In Good Standing Licensed: 44 Years

CONTACT

Crete, IL 60417

George F. Laforte

Civil Rights, Contract, Collection, Personal Injury

Status: In Good Standing Licensed: 58 Years

CONTACT

19815 Governors Hwy, Flossmoor, IL 60422

Connie Lambert

Corporate, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

716 Park Dr, Flossmoor, IL 60422

Connie J. Lambert

Corporate, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 35 Years

CONTACT

716 Park Dr, Flossmoor, IL 60422

800-923-0641

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LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

Buckingham Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Steven Troy

Steven Plato Troy

Hana Marie Kimmel

Russelle L. Holsinger

Gary K. Davidson

Gary K. Davidson

James Stephen Teykl

George F. Laforte

Connie Lambert

Connie J. Lambert

TIPS

LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

INTEREST

FAIR CREDIT BILLING ACT (FCBA)

ACCORD AND SATISFACTION

TRADE DRESS

COSIGNER

PRESUMED ABUSE

CCCS

FCRA

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