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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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Robert Schaller

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Bankruptcy & Debt, Lawsuit & Dispute, Tax, Accident & Injury, Real Estate

BANKRUPTCY, TAX, WILLS & TRUST ATTORNEY & REGISTERED CPA | EXPECT THE BEST | 38+ YEARS OF EXPERIENCE

Attorney Robert Schaller treats every client like family, giving them the time and personal attention they deserve. The law firm offers both in-office... (more)

FREE CONSULTATION

CONTACT

630-655-1301

700 Commerce Drive, Oak Brook, IL 60523

Matthew J Ryan

Bankruptcy, Criminal, Estate Planning, Family Law

Status:

FREE CONSULTATION

CONTACT

3101 N Rose Street, Franklin Park, IL 60131

Audrey Elaine Gardner

Bankruptcy, DUI-DWI, Traffic, Civil Rights, Business

Status: Licensed: 8 Years

CONTACT

1043 S York Rd, Bensenville, IL 60106

Nella E. Mariani

Bankruptcy, Bankruptcy & Debt, Credit & Debt

Status: Licensed: 26 Years

CONTACT

600 S County Line Rd, Bensenville, IL 60106

Nella E. Mariani

Bankruptcy, Bankruptcy & Debt, Credit & Debt

Status: Licensed: 26 Years

CONTACT

600 County Line Rd, Bensenville, IL 60106

Stanislaw Skupien

Family Law, Bankruptcy

Status: Licensed: 11 Years

CONTACT

3833 S. Harlem Ave., Berwyn, IL 60402

Ashley L. Pipal

Immigration, Government, Divorce, Bankruptcy

Status: Licensed: 11 Years

CONTACT

7100 16Th St, Berwyn, IL 60402

Frank Quinones

Family Law, Divorce & Family Law, Bankruptcy, Personal Injury

Status: Licensed: 46 Years

CONTACT

6833 W Cermak Rd, Berwyn, IL 60402

Martin Douglas Reggi

Traffic, DUI-DWI, Transactions, Bankruptcy

Status: Licensed: 45 Years

CONTACT

3306 S. Grove Avenue, Berwyn, IL 60402

Shari Melinda Brunton

General Practice

Status: Licensed: 45 Years

CONTACT

3306 S. Grove Avenue, Berwyn, IL 60402

800-814-6700

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LEGAL TERMS

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.

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.

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.

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

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.

FCRA

See Fair Credit Reporting Act.

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.'

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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Bellwood Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Robert Schaller

Matthew J Ryan

Audrey Elaine Gardner

Nella E. Mariani

Nella E. Mariani

Stanislaw Skupien

Ashley L. Pipal

Frank Quinones

Martin Douglas Reggi

Shari Melinda Brunton

TIPS

LEGAL TERMS

REPOSSESSION

FAIR CREDIT REPORTING ACT (FCRA)

CHAPTER 13 BANKRUPTCY

BULK SALES LAW

DISCHARGEABLE DEBTS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FCRA

LOSS DAMAGE WAIVER (LDW)

UNSECURED DEBT

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