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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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Louis Adam Nack

Elder Law, Banking & Finance, Collection, Personal Injury, Insurance

Status: In Good Standing

CONTACT

151 N Main St, Elizabeth, IL 61028

James Joseph Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Joseph Edward Nack

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

James Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Joseph Nack

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Louis Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 North Main Street, Galena, IL 61036

Betsy Shaulis

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

100 South Broad Street, Lanark, IL 61046

Trent Lyle Bush

Landlord-Tenant, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

Trent Bush

Employee Rights, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

Lisa A. Gabriel

Immigration, Adoption, Collection, Bankruptcy

Status: In Good Standing Licensed: 37 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

800-923-0641

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800-943-8690

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LEGAL TERMS

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.

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.'

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

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.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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Hanover Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Louis Adam Nack

James Joseph Nack

Joseph Edward Nack

James Nack

Joseph Nack

Louis Nack

Betsy Shaulis

Trent Lyle Bush

Trent Bush

Lisa A. Gabriel

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LEGAL TERMS

CHAPTER 13 BANKRUPTCY

LOSS DAMAGE WAIVER (LDW)

CREDIT COUNSELING

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

SETOFF

SUBROGATION

GRACE PERIOD

LIQUIDATING PARTNER

WINDING UP

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