Havana 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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2. Email
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Laurie M. Judd

Banking & Finance, Bankruptcy, Corporate, Real Estate

Status: In Good Standing

CONTACT

227 NE Jefferson Avenue, Peoria, IL 61602

Alison E. McLaughlin

Family Law, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing

CONTACT

Chase Building, 124 S.W. Adams Street, Peoria, IL 61602

C. Edwin Walker

Banking & Finance, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing

CONTACT

411 Hamilton, Peoria, IL 61602

Robert E. Pugh

Collection, Criminal, Estate Planning, Personal Injury

Status: In Good Standing

CONTACT

1225 N North Street, Peoria, IL 61606

H. Allen Yow

Alimony & Spousal Support, Child Support, Adoption, Collection

Status: In Good Standing

CONTACT

232 West State Street, Jacksonville, IL 62650

Brian Jay Dees

Alimony & Spousal Support, Adoption, Administrative Law, Bankruptcy

Status: In Good Standing

CONTACT

1035 South Second Street, Springfield, IL 62704

Fredric Benson

Administrative Law, Bankruptcy, Business Organization, Contract

Status: In Good Standing

CONTACT

1307 South 7th Street, Springfield, IL 62703

Ted G. Collins

Estate Planning, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 49 Years

CONTACT

177 W Lincoln Ave, Lewistown, IL 61542

Ted Collins

Estate Planning, Divorce & Family Law, Civil Rights, Collection

Status: In Good Standing Licensed: 49 Years

CONTACT

177 W Lincoln Ave, Lewistown, IL 61542

Stephanie Johnson

Divorce & Family Law, Adoption, Collection, Estate Planning

Status: In Good Standing Licensed: 29 Years

CONTACT

171 W. Lincoln Avenue, Lewistown, IL 61542

800-923-0641

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LEGAL TERMS

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.

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.

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.

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.

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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Havana Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Laurie M. Judd

Alison E. McLaughlin

C. Edwin Walker

Robert E. Pugh

H. Allen Yow

Brian Jay Dees

Fredric Benson

Ted G. Collins

Ted Collins

Stephanie Johnson

TIPS

LEGAL TERMS

GRACE PERIOD

COLLECTION AGENCY

SETOFF

INTEREST

CREDIT INSURANCE

REDEMPTION

LOSS DAMAGE WAIVER (LDW)

CREDIT COUNSELING

AUTOMATIC STAY

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