Summerfield 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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Harold G. Belsheim

Aviation, Bankruptcy Litigation, Commercial Bankruptcy, Commercial Banks, Estate Planning

Status: In Good Standing

FREE CONSULTATION

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1002 East Wesley Drive, O Fallon, IL 62269

Douglas C. Gruenke

Corporate, Business Organization, Banking & Finance, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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1002 East Wesley Drive, O Fallon, IL 62269

Susan F. Grammer

Bankruptcy, Criminal, DUI-DWI, Traffic

Status: In Good Standing

FREE CONSULTATION

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2 Terminal Dr., East Alton, IL 62024

John M. Delaney

Farms, Child Support, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

346 West Saint Louis Avenue, East Alton, IL 62024

Terry Ivan Bruckert

Banking & Finance, Bankruptcy, Corporate, Business Organization

Status: In Good Standing Licensed: 31 Years

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1002 E Wesley Dr, Belleville, IL 62269

Jerry Graham

Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

1103 Frontage Road, O Fallon, IL 62269

Allen George Mealey

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

4972 Benchmark Centre Dr, Belleville, IL 62226

Steven Andrew Gorom

Estate Planning, Employee Rights, Elder Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 12 Years

CONTACT

205 W Stonybrook Dr, Belleville, IL 62269

Michael Benson

Estate, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

801 Lincoln Highway, Fairview Heights, IL 62208

Robert Gregory Lathram

Government, Criminal, Bankruptcy & Debt, Divorce & Family Law, Business

Status: In Good Standing Licensed: 35 Years

FREE CONSULTATION

CONTACT

203 W Main St, Collinsville, IL 62234

800-923-0641

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LEGAL TERMS

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.'

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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Summerfield Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Harold G. Belsheim

Douglas C. Gruenke

Susan F. Grammer

John M. Delaney

Terry Ivan Bruckert

Jerry Graham

Allen George Mealey

Steven Andrew Gorom

Michael Benson

Robert Gregory Lathram

TIPS

LEGAL TERMS

DEBT COLLECTOR

PRESUMED ABUSE

NONEXEMPT PROPERTY

BANKRUPTCY TRUSTEE

MEETING OF CREDITORS

LOSS DAMAGE WAIVER (LDW)

WINDING UP

DOING BUSINESS AS (DBA)

FAIR CREDIT REPORTING ACT (FCRA)

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