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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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2. Email
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Kathleen Ann Isley

Criminal, Adoption, Child Custody, Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

1090 N Seventh St, Rochelle, IL 61068

Constance Augsburger

Civil Rights, Collection, Estate Planning, Federal Appellate Practice

Status: In Good Standing Licensed: 41 Years

CONTACT

301 E Brayton Rd, Mount Morris, IL 61054

David Francis Monteleone

DUI-DWI, Civil Rights, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

David Monteleone

DUI-DWI, Civil Rights, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

Raymond Melton

Divorce & Family Law, Criminal, Corporate, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

308 W State St, Rockford, IL 61101

Stephen Langley

Estate Planning, Divorce, Collection, Personal Injury

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

James E. Stevens

Civil Rights, Business & Trade, Collection, Bankruptcy

Status: In Good Standing

CONTACT

Rockford, IL 61110

Fiona Whelan

Divorce & Family Law, Bankruptcy, Civil Rights, Collection

Status: In Good Standing Licensed: 34 Years

CONTACT

308 W. State Street, Rockford, IL 61101

Thomas Jakeway

Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

400 West State Street, Rockford, IL 61101

Thomas Robert Jakeway

Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

400 West State Street, Rockford, IL 61101

800-923-0641

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LEGAL TERMS

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.'

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

FDCPA

See Fair Debt Collections & Practices Act.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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Chana Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Kathleen Ann Isley

Constance Augsburger

David Francis Monteleone

David Monteleone

Raymond Melton

Stephen Langley

James E. Stevens

Fiona Whelan

Thomas Jakeway

Thomas Robert Jakeway

TIPS

LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

REPOSSESSION

CREDIT REPORT

BANKRUPTCY TRUSTEE

NONDISCHARGEABLE DEBTS

WORKOUT

TRADE DRESS

FDCPA

SECRET WARRANTY PROGRAM

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