Elliott 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
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2. Email
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Douglas Noel Koth

Workers' Compensation, Collection, Personal Injury, Traffic

Status: In Good Standing Licensed: 39 Years

CONTACT

420 N Main St, Bloomington, IL 61701

Douglas Koth

Workers' Compensation, Collection, Personal Injury, Traffic

Status: In Good Standing Licensed: 39 Years

CONTACT

420 N Main St, Bloomington, IL 61701

Chad Ritchie

Litigation, Transactions, Business, Collection

Status: In Good Standing Licensed: 22 Years

CONTACT

2203 E Empire St, Bloomington, IL 61704

Erin Molleen Mcginley

Criminal, Landlord-Tenant, Collection, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

802 N. Clinton Street, Bloomington, IL 61701

Elizabeth Megli

Collection, Estate Planning, Transactions, Commercial Real Estate

Status: In Good Standing Licensed: 20 Years

CONTACT

115 W Jefferson St, Bloomington, IL 61701

Robert Smith White

Landlord-Tenant, Divorce & Family Law, Insurance, Collection

Status: In Good Standing Licensed: 39 Years

CONTACT

308 E. Washington St., Bloomington, IL 61702

Erin Mcginley

Criminal, Landlord-Tenant, Collection, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

802 N. Clinton Street, Bloomington, IL 61701

Todd Roseberry

Divorce, DUI-DWI, Collection, Personal Injury

Status: In Good Standing Licensed: 26 Years

CONTACT

407 W Front St, Bloomington, IL 61701

William Gregory

Workers' Compensation, Collection, Personal Injury

Status: In Good Standing Licensed: 27 Years

CONTACT

420 North Main Street, Bloomington, IL 61701

Frank Anthony Janello

Lawsuit & Dispute, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

207 W Jefferson, Bloomington, IL 61701

800-923-0641

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LEGAL TERMS

FDCPA

See Fair Debt Collections & Practices Act.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

FCRA

See Fair Credit Reporting Act.

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.

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Elliott Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Douglas Noel Koth

Douglas Koth

Chad Ritchie

Erin Molleen Mcginley

Elizabeth Megli

Robert Smith White

Erin Mcginley

Todd Roseberry

William Gregory

Frank Anthony Janello

TIPS

LEGAL TERMS

FDCPA

CREDIT INSURANCE

NUISANCE FEES

DISPOSABLE INCOME

ACCORD AND SATISFACTION

GUARANTEED RESERVATION

PREFERENCE

FCRA

COLLECTION AGENCY

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