Kaneville Credit & 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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David W. Nordin

Bankruptcy, Credit & Debt, Family Law, Litigation

Status: In Good Standing

FREE CONSULTATION

CONTACT

Naperville Executive Center, 1555 Naperville/Wheaton Rd., Naperville, IL 60563

Andrea Dwyer

Family Law, Insurance, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 16 Years

CONTACT

1294 Yorkshire Ln, Bloomingdale, IL 60188

Andrea Gabriela Dwyer

Family Law, Insurance, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 16 Years

CONTACT

1294 Yorkshire Ln, Bloomingdale, IL 60188

Elizabeth Anne Bates Lehman

Litigation, Estate Planning, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

300 S County Farm Rd, Wheaton, IL 60187

Elizabeth Bates Lehman

Litigation, Estate Planning, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

300 S County Farm Rd, Wheaton, IL 60187

Richard Hirsh

Foreclosure, Bankruptcy, Business, Credit & Debt

Status: In Good Standing Licensed: 48 Years

FREE CONSULTATION

CONTACT

1500 Eisenhower Lane, Lisle, IL 60532

John P. Carlin

Student Rights, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

1305 Remington Rd, Schaumburg, IL 60173

Suzanne L. Walters

Credit & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

284 Virginia Street, Crystal Lake, IL 60014

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

Laura Ladon Ellis

Wills, Elder Law, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

636 South Des Plaines River Road, Des Plaines, IL 60016

800-923-0641

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LEGAL TERMS

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

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.

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).

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

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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Kaneville Credit & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

David W. Nordin

Andrea Dwyer

Andrea Gabriela Dwyer

Elizabeth Anne Bates Lehman

Elizabeth Bates Lehman

Richard Hirsh

John P. Carlin

Suzanne L. Walters

James M. Chesloe

Laura Ladon Ellis

TIPS

LEGAL TERMS

CREDITOR

401(K) PLAN

GARNISHMENT

REDEMPTION

SUBROGATION

CREDIT REPORT

PREFERENCE

IRS EXPENSES

SECRET WARRANTY PROGRAM

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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