Stonington 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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Jarred Rahar

Collection, Child Custody, Divorce, Family Law

Status: In Good Standing

CONTACT

1011 North Webster Street, Taylorville, IL 62568

Aaron D. Calvert

Federal Appellate Practice, Misdemeanor, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

221 W Main Cross, Taylorville, IL 62568

Aaron Calvert

Federal Appellate Practice, Misdemeanor, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

221 W Main Cross, Taylorville, IL 62568

Monroe Douglas Mcward

DUI-DWI, Criminal, Bankruptcy, Family Law

Status: In Good Standing Licensed: 40 Years

CONTACT

107 South Washington Street, Taylorville, IL 62568

Vance L. Fraley

Bankruptcy, Family Law, Estate Planning, Commercial Real Estate

Status: In Good Standing Licensed: 66 Years

CONTACT

104 S Othelle St, Taylorville, IL 62568

Chad Murray

Estate Planning, Estate, Elder Law, Bankruptcy

Status: In Good Standing Licensed: 15 Years

CONTACT

1620 S Taylorville Rd, Decatur, IL 62521

Julie Beyers

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

601 E William St, Decatur, IL 62525

Heather Giannino

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

601 E William St, Decatur, IL 62523

John Robert Barr

Family Law, Divorce, Collection, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

Decatur, IL 62525

Heather Michelle Giannino

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

601 E William St, Decatur, IL 62523

800-923-0641

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LEGAL TERMS

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.'

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.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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Stonington Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jarred Rahar

Aaron D. Calvert

Aaron Calvert

Monroe Douglas Mcward

Vance L. Fraley

Chad Murray

Julie Beyers

Heather Giannino

John Robert Barr

Heather Michelle Giannino

TIPS

LEGAL TERMS

NO-FAULT INSURANCE

AUTOMATIC STAY

TRUTH IN LENDING ACT (TILA)

REPOSSESSION

TRADE NAME

LOSS DAMAGE WAIVER (LDW)

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

UNSECURED DEBT

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