Mount Morris 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
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Thomas Laye

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Accident & Injury, Divorce & Family Law, Estate, Bankruptcy & Debt, Business

Thomas was born and raised in Cherry Valley, Illinois. He attended Western Illinois University where he received his Bachelor’s in Law Enforcement a... (more)

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CONTACT

815-962-0044

308 West State Street, Rockford, IL 61101

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

Allison Marie Huntley

Health Care Other, Civil Rights, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

106 S 5Th St, Oregon, IL 61061

Allison Huntley

Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 10 Years

CONTACT

106 S 5Th St, Oregon, IL 61061

Kathleen Ann Isley

Elder Law, Contract, Collection, Medical Malpractice

Status: In Good Standing Licensed: 19 Years

CONTACT

101 South 4Th St, Oregon, IL 61061

Thomas Henry James

International, Estate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

310 1St Ave Ave, Forreston, IL 61030

Henry Sherwood Dixon

Adoption, DUI-DWI, Contract, Bankruptcy

Status: In Good Standing Licensed: 61 Years

CONTACT

1952 Hidden Shores Dr, Dixon, IL 61021

Kelly L. Flessner

Real Estate, Estate, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 11 Years

CONTACT

114 E Everett St., Dixon, IL 61021

Courtney Kennedy

Commercial Real Estate, Estate Planning, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 8 Years

CONTACT

114 E Everett St, Dixon, IL 61021

Megan Gwenllean Heeg

Workers' Compensation, Civil Rights, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

215 E First St, Dixon, IL 61021

800-923-0641

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LEGAL TERMS

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.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

CREDIT FILE

See credit report.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

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.

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.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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Mount Morris Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Laye

Constance Augsburger

Allison Marie Huntley

Allison Huntley

Kathleen Ann Isley

Thomas Henry James

Henry Sherwood Dixon

Kelly L. Flessner

Courtney Kennedy

Megan Gwenllean Heeg

TIPS

LEGAL TERMS

CHAPTER 13 BANKRUPTCY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FORBEARANCE

CREDIT FILE

PRIORITY DEBT

SECRET WARRANTY PROGRAM

SECURED DEBT

MEANS TEST

FAIR CREDIT REPORTING ACT (FCRA)

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