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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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Thomas St. Jules

Family Law, Criminal, Collection, Personal Injury

Status: In Good Standing

CONTACT

1999 West Downer Place, Aurora, IL 60506

Jonathan Blake Shanower

Landlord-Tenant, Litigation, Civil Rights, Collection

Status: In Good Standing

CONTACT

1999 W. Downer Place, Aurora, IL 60506

James James

Other, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 41 Years

CONTACT

1961 W Downer Pl, Aurora, IL 60506

James Charles James

Motor Vehicle, Divorce, Collection, Car Accident

Status: In Good Standing Licensed: 41 Years

CONTACT

1961 W Downer Pl, Aurora, IL 60506

Adam Richard Wirtz

Personal Injury, Criminal, Divorce & Family Law, Collection

Status: In Good Standing

CONTACT

1999 W. Downer Place, Aurora, IL 60506

Adam Wirtz

Divorce & Family Law, Criminal, Personal Injury, Collection

Status: In Good Standing

CONTACT

1999 W. Downer Place, Aurora, IL 60506

Reginald Campbell

Child Support, Criminal, Business Organization, Collection, DUI-DWI

Status: In Good Standing Licensed: 33 Years

CONTACT

605 N. Broadway, Aurora, IL 60505

Lawrence William Lobb

Estate Planning, Transactions, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

111 Flinn St, Batavia, IL 60510

Kevin Gilbert Drendel

Estate Planning, Civil Rights, Corporate, Collection

Status: In Good Standing

CONTACT

111 Flinn Stree, Batavia, IL 60510

Carolyn Darlene Jansons

Divorce, Civil Rights, Corporate, Collection

Status: In Good Standing

CONTACT

111 Flinn Street, Batavia, IL 60510

800-923-0641

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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.'

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

CREDIT FILE

See credit report.

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.

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Sugar Grove Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas St. Jules

Jonathan Blake Shanower

James James

James Charles James

Adam Richard Wirtz

Adam Wirtz

Reginald Campbell

Lawrence William Lobb

Kevin Gilbert Drendel

Carolyn Darlene Jansons

TIPS

LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

BULK SALES LAW

IRS EXPENSES

LOSS DAMAGE WAIVER (LDW)

GARNISHMENT

FRATERNAL BENEFIT SOCIETY BENEFITS

NONDISCHARGEABLE DEBTS

CREDIT FILE

CREDIT INSURANCE

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