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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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Thomas Gosselin

Business Organization, Collection, Commercial Real Estate, Defamation & Slander

Status: In Good Standing

CONTACT

2425 Royal Blvd, Elgin, IL 60123

John Frederick Hurlbut

Arbitration, Criminal, Administrative Law, Collection

Status: In Good Standing Licensed: 37 Years

CONTACT

574 N Mclean Blvd, Elgin, IL 60123

Catherine Schick Hurlbut

Corporate, Business Successions, Business Organization, Collection

Status: In Good Standing Licensed: 36 Years

CONTACT

574 N Mclean Blvd, Elgin, IL 60123

Scott Gary Richmond

Workers' Compensation, Civil Rights, Collection, Personal Injury

Status: In Good Standing

CONTACT

2000 Mcdonald Road, South Elgin, IL 60177

Scott Richmond

Workers' Compensation, Civil Rights, Collection, Personal Injury

Status: In Good Standing

CONTACT

2000 Mcdonald Road, South Elgin, IL 60177

Catherine Hurlbut

Transactions, Business & Trade, Corporate, Collection

Status: In Good Standing Licensed: 36 Years

CONTACT

574 N Mclean Blvd, Elgin, IL 60123

Colleen Gaye Thomas

Corporate, Collection, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 26 Years

CONTACT

30 N Western Ave, Carpentersville, IL 60110

Carl Lloyd Ganibi Santos

Collection, Landlord-Tenant, Civil Rights, Business

Status: In Good Standing Licensed: 18 Years

CONTACT

2500 Westfield Dr, Elgin, IL 60124

Scott Paul Larson

Workers' Compensation, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 27 Years

CONTACT

200 W Main St, Saint Charles, IL 60174

Mary E. Gardner

Civil Rights, Transactions, Collection, Bankruptcy

Status: In Good Standing Licensed: 36 Years

CONTACT

200 W Main St, Saint Charles, IL 60174

800-923-0641

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

CCCS

See Consumer Credit Counseling Service.

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.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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).

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

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.

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Elgin Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Gosselin

John Frederick Hurlbut

Catherine Schick Hurlbut

Scott Gary Richmond

Scott Richmond

Catherine Hurlbut

Colleen Gaye Thomas

Carl Lloyd Ganibi Santos

Scott Paul Larson

Mary E. Gardner

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

CCCS

SUBROGATION

LIEN

GUARANTOR

REDEMPTION

CREDIT REPORT

ADMINISTRATIVE EXPENSES

CYBERSQUATTING

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