Gifford Bankruptcy & 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
1. Contact
2. Email
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Andrew J. Hatch

Divorce, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

100 N Chestnut St, Champaign, IL 61820

Andrew Hatch

Divorce, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

100 N Chestnut St, Champaign, IL 61820

Angela Vandeventer

Collection, Estate Planning

Status: In Good Standing Licensed: 17 Years

CONTACT

616 E Green St, Champaign, IL 61820

Anna Kaluzny

Accident & Injury, Bankruptcy & Debt, Other

Status: In Good Standing Licensed: 14 Years

CONTACT

2105 N Dunlap, Champaign, IL 61820

Brett Kepley

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

302 N First St, Champaign, IL 61820

Brett Alan Kepley

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

302 N First St, Champaign, IL 61820

Brian Pondenis

Bankruptcy

Status: In Good Standing Licensed: 19 Years

CONTACT

202 S. Broadway, Urbana, IL 61801

Brian Sides

Bankruptcy & Debt, Estate Planning, Elder Law, Estate Planning

Status: In Good Standing Licensed: 23 Years

CONTACT

Urbana, IL 61803

Bruce Warren

Workers' Compensation, Civil Rights, Insurance, Bankruptcy

Status: In Good Standing

CONTACT

30 Main Street, Champaign, IL 61824

Charlene Recio

General Practice

Status: In Good Standing Licensed: 42 Years

CONTACT

220 West Main Street, Urbana, IL 61801

800-923-0641

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LEGAL TERMS

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

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.

Gifford Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Andrew J. Hatch

Andrew Hatch

Angela Vandeventer

Anna Kaluzny

Brett Kepley

Brett Alan Kepley

Brian Pondenis

Brian Sides

Bruce Warren

Charlene Recio

TIPS

LEGAL TERMS

UNSECURED DEBT

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FDCPA

TRADE DRESS

LIMITED LIABILITY

GRACE PERIOD

CHAPTER 13 BANKRUPTCY

TRUTH IN LENDING ACT (TILA)

CREDITOR

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