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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 E. Pugh

Collection, Criminal, Estate Planning, Personal Injury

Status: In Good Standing

CONTACT

1225 N North Street, Peoria, IL 61606

Allison Ann Nelson

Civil Rights, Insurance, Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

456 Fulton St, Peoria, IL 61602

Allison Nelson

Civil Rights, Insurance, Bankruptcy

Status: In Good Standing Licensed: 27 Years

CONTACT

456 Fulton St, Peoria, IL 61602

Amira Lucia Vicari

Municipal, Family Law, Administrative Law, Collection

Status: In Good Standing

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456 Fulton St, Peoria, IL 61602

Andrew Honegger

Banking & Finance, Bankruptcy, Business & Trade

Status: In Good Standing Licensed: 30 Years

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401 Main Street, Peoria, IL 61602

Brian Frederick Johnson

Litigation, Estate Planning, Business & Trade, Collection

Status: In Good Standing Licensed: 19 Years

CONTACT

1112 W Cayman Cove, Peoria, IL 61615

Brian Shelby

Bankruptcy & Debt, Bankruptcy

Status: In Good Standing Licensed: 25 Years

CONTACT

401 Main Street, Peoria, IL 61602

Brian Kip Shelby

Bankruptcy & Debt

Status: In Good Standing Licensed: 25 Years

CONTACT

401 Main Street, Peoria, IL 61602

Casey Christopher Kepple

Commercial Real Estate, Litigation, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

4700 N Prospect Rd, Peoria, IL 61616

Casey Christopher Kepple

Litigation, Estate Planning, Transactions, Bankruptcy

Status: In Good Standing Licensed: 15 Years

CONTACT

4700 N Prospect Rd, Peoria, IL 61616

800-923-0641

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LEGAL TERMS

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.'

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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La Rose Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Robert E. Pugh

Allison Ann Nelson

Allison Nelson

Amira Lucia Vicari

Andrew Honegger

Brian Frederick Johnson

Brian Shelby

Brian Kip Shelby

Casey Christopher Kepple

Casey Christopher Kepple

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LEGAL TERMS

CREDITOR

WORKOUT

NO-FAULT INSURANCE

LOSS DAMAGE WAIVER (LDW)

CHAPTER 7 BANKRUPTCY

AUTOMATIC STAY

INTEREST

CREDIT BUREAU

SETOFF

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