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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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H. Allen Yow

Alimony & Spousal Support, Child Support, Adoption, Collection

Status: In Good Standing

CONTACT

232 West State Street, Jacksonville, IL 62650

Susan F. Grammer

Bankruptcy, Criminal, DUI-DWI, Traffic

Status: In Good Standing

FREE CONSULTATION

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2 Terminal Dr., East Alton, IL 62024

John M. Delaney

Farms, Child Support, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

346 West Saint Louis Avenue, East Alton, IL 62024

Brian Jay Dees

Alimony & Spousal Support, Adoption, Administrative Law, Bankruptcy

Status: In Good Standing

CONTACT

1035 South Second Street, Springfield, IL 62704

Fredric Benson

Administrative Law, Bankruptcy, Business Organization, Contract

Status: In Good Standing

CONTACT

1307 South 7th Street, Springfield, IL 62703

Nick William Graham

Divorce & Family Law, Criminal, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 12 Years

CONTACT

506 N Main St, Carrollton, IL 62016

Nick Graham

Divorce & Family Law, Criminal, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 12 Years

CONTACT

506 N Main St, Carrollton, IL 62016

Craig Grummel

Workers' Compensation, Elder Law, Collection, Medical Malpractice

Status: In Good Standing Licensed: 17 Years

CONTACT

524 N Main St, Carrollton, IL 62016

Thomas Day Denby

Real Estate, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 36 Years

CONTACT

Carlinville, IL 62626

Thomas Denby

Federal Appellate Practice, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 37 Years

CONTACT

Carlinville, IL 62626

800-923-0641

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LEGAL TERMS

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

FCBA

See Fair Credit Billing Act.

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.

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Greenfield Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

H. Allen Yow

Susan F. Grammer

John M. Delaney

Brian Jay Dees

Fredric Benson

Nick William Graham

Nick Graham

Craig Grummel

Thomas Day Denby

Thomas Denby

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LEGAL TERMS

GUARANTEED RESERVATION

FAIR CREDIT REPORTING ACT (FCRA)

PREFERENCE

UNDUE HARDSHIP

SECURED DEBT

CURRENT MONTHLY INCOME

DISCHARGEABLE DEBTS

FCBA

TRUTH IN LENDING ACT (TILA)

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