Waukegan 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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Chad Hayward

Foreclosure, Real Estate, Immigration, Credit & Debt

Status: In Good Standing

FREE CONSULTATION

CONTACT

205 W. Randolph Street, Chicago, IL 60606

Patrick Neil Goodwin

Consumer Protection, Foreclosure, Credit & Debt, Corporate

Status: In Good Standing

FREE CONSULTATION

CONTACT

218 N. Jefferson St., Chicago, IL 60606

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

David Stepanich

Traffic, Divorce & Family Law, Criminal, Credit & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

32 N West St, Waukegan, IL 60085

Robert J. Adams

Bankruptcy & Debt, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing Licensed: 49 Years

CONTACT

111 N. County, Waukegan, IL 60085

Evan Lincoln Moscov

General Practice

Status: In Good Standing

CONTACT

325 Washington St, Waukegan, IL 60085

Jennifer Nicole Luczkowiak

Family Law, Juvenile Law, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

325 W Washington St, Waukegan, IL 60085

Jennifer Luczkowiak

Family Law, Juvenile Law, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

325 W Washington St, Waukegan, IL 60085

Andrew Todd Fleishman

Lawsuit, Credit & Debt, Products Liability, Medical Malpractice

Status: In Good Standing Licensed: 29 Years

CONTACT

1870 W Winchester Rd, Libertyville, IL 60048

Nathaniel L. Katz

Collection, Credit & Debt, Litigation, Business & Trade

Status: In Good Standing

CONTACT

775 Corporate Woods Pkwy, Vernon Hills, IL 60061

800-923-0641

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LEGAL TERMS

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

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.

CCCS

See Consumer Credit Counseling Service.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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.

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.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

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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Waukegan Credit & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Chad Hayward

Patrick Neil Goodwin

David W. Nordin

David Stepanich

Robert J. Adams

Evan Lincoln Moscov

Jennifer Nicole Luczkowiak

Jennifer Luczkowiak

Andrew Todd Fleishman

Nathaniel L. Katz

TIPS

LEGAL TERMS

COLLECTION AGENCY

CHAPTER 13 BANKRUPTCY

PREFERENCE

REPOSSESSION

CCCS

CREDIT BUREAU

SUBROGATION

WINDING UP

CYBERSQUATTING

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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