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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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Marlon Troy Suskin

Estate Planning, Divorce & Family Law, Elder Law, Collection

Status: In Good Standing Licensed: 29 Years

CONTACT

1590 S. Milwaukee Avenue, Libertyville, IL 60048

Omeesha Srivastava

Landlord-Tenant, Social Security, Transactions, Collection

Status: In Good Standing Licensed: 22 Years

CONTACT

175 North Archer Ave, Lake Zurich, IL 60060

Omeesha Srivastava

Landlord-Tenant, Social Security, Transactions, Collection

Status: In Good Standing Licensed: 22 Years

CONTACT

175 North Archer Ave, Lake Zurich, IL 60060

Wilfred Henry Chan

Collection, Elder Law, Estate Planning, Landlord-Tenant

Status: In Good Standing Licensed: 32 Years

CONTACT

1405 Halifax Drive, Mundelein, IL 60060

Wilfred Chan

Divorce & Family Law, Business & Trade, Civil Rights, Collection

Status: In Good Standing Licensed: 32 Years

CONTACT

1405 Halifax Drive, Mundelein, IL 60060

Ronald Rosenfeld

Collection

Status: In Good Standing Licensed: 30 Years

CONTACT

2801 Lakeside Drive, Deerfield, IL 60015

Ira Floyd Leibsker

Collection

Status: In Good Standing Licensed: 49 Years

CONTACT

5402 Promontory Lane, Lake Zurich, IL 60047

Ira Leibsker

Collection

Status: In Good Standing Licensed: 49 Years

CONTACT

5402 Promontory Lane, Lake Zurich, IL 60047

Brian Schulman

Collection

Status: In Good Standing Licensed: 32 Years

CONTACT

1130 Timber Pass, Mundelein, IL 60060

800-923-0641

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LEGAL TERMS

TRADE NAME

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

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.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

CREDIT FILE

See credit report.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

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Vernon Hills Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Marlon Troy Suskin

Omeesha Srivastava

Omeesha Srivastava

Wilfred Henry Chan

Wilfred Chan

Ronald Rosenfeld

Ira Floyd Leibsker

Ira Leibsker

Brian Schulman

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LEGAL TERMS

TRADE NAME

REPOSSESSION

BULK SALES LAW

DISPOSABLE INCOME

COSIGNER

CREDIT FILE

GUARANTEED RESERVATION

DEFINED CONTRIBUTION PLAN

NONDISCHARGEABLE DEBTS

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