Mozier Collection 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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H. Allen Yow

Alimony & Spousal Support, Child Support, Adoption, Collection

Status: In Good Standing

CONTACT

232 West State Street, Jacksonville, IL 62650

John Sholar

Government, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2800 Buckmaster Lane, Alton, IL 62002

William W. Asa

Commercial Real Estate, Litigation, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

Alton, IL 62002

John Arthur Sholar

Government, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2800 Buckmaster Lane, Alton, IL 62002

William E. Miller

Personal Injury, Collection, Medical Malpractice, Workers' Compensation

Status: In Good Standing Licensed: 41 Years

CONTACT

1403 E. Broadway, Alton, IL 62002

Charles Dana Eastman

Wills & Probate, Trusts, Corporate, Collection

Status: In Good Standing Licensed: 61 Years

CONTACT

2520 State St, Alton, IL 62002

Craig Grummel

Workers' Compensation, Elder Law, Collection, Medical Malpractice

Status: In Good Standing Licensed: 17 Years

CONTACT

524 N Main St, Carrollton, IL 62016

Patrick Radcliffe Sullivan

Criminal, Merger & Acquisition, Collection, Accident & Injury

Status: In Good Standing Licensed: 14 Years

CONTACT

111 At Airline Dr, East Alton, IL 62024

Steven Dodd Griffin

Government, Civil & Human Rights, Business & Trade, Collection

Status: In Good Standing Licensed: 35 Years

CONTACT

346 W St Louis Ave, East Alton, IL 62024

Tanja Cook

General Practice

Status: In Good Standing Licensed: 25 Years

CONTACT

2005 Johnson Rd, Granite City, IL 62040

800-923-0641

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LEGAL TERMS

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.'

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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Mozier Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

H. Allen Yow

John Sholar

William W. Asa

John Arthur Sholar

William E. Miller

Charles Dana Eastman

Craig Grummel

Patrick Radcliffe Sullivan

Steven Dodd Griffin

Tanja Cook

TIPS

LEGAL TERMS

LOSS DAMAGE WAIVER (LDW)

ADMINISTRATIVE EXPENSES

NONDISCHARGEABLE DEBTS

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

GUARANTEED RESERVATION

COLLATERAL

REAFFIRMATION

IRS EXPENSES

PRESUMED ABUSE

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