Mundelein 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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2. Email
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Omeesha Srivastava

Landlord-Tenant, Social Security, Transactions, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

175 North Archer Ave, Lake Zurich, IL 60060

Omeesha Srivastava

Landlord-Tenant, Social Security, Transactions, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

175 North Archer Ave, Lake Zurich, IL 60060

Paul Charles Pecoraro

Bankruptcy, Personal Injury, Employee Rights, Civil Rights

Status: In Good Standing Licensed: 16 Years

CONTACT

46 Gino Lane, Lake Zurich, IL 60047

Paul Pecoraro

Bankruptcy, Personal Injury, Employee Rights, Civil Rights

Status: In Good Standing Licensed: 16 Years

CONTACT

46 Gino Lane, Lake Zurich, IL 60047

David Schwab

Real Estate, Litigation, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

Three Hawthorn Pkwy, Vernon Hills, IL 60061

David John Schwab

Litigation, Government, Employment Contracts, Banking & Finance, Bankruptcy

Status: In Good Standing

CONTACT

3 Hawthorn Pkwy, Vernon Hills, IL 60061

David J. Schwab

Real Estate, Litigation, Bankruptcy, Bankruptcy & Debt, Civil Rights

Status: In Good Standing

CONTACT

3 Hawthorn Pkwy, Vernon Hills, IL 60061

Ian Michael Burns

Bankruptcy, Transactions

Status: In Good Standing Licensed: 20 Years

CONTACT

1 Corporate Dr., Lake Zurich, IL 60047

Filip Zucek

Real Estate, Corporate, Business, Bankruptcy

Status: In Good Standing Licensed: 11 Years

CONTACT

175 E. Hawthorn Parkway, Vernon Hills, IL 60061

Alexandra Bohdanna Lewycky

Motor Vehicle, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

1 Corporate Drive, Lake Zurich, IL 60047

800-923-0641

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LEGAL TERMS

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

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.

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.

Mundelein Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Omeesha Srivastava

Omeesha Srivastava

Paul Charles Pecoraro

Paul Pecoraro

David Schwab

David John Schwab

David J. Schwab

Ian Michael Burns

Filip Zucek

Alexandra Bohdanna Lewycky

TIPS

LEGAL TERMS

DEBT COLLECTOR

GARNISHMENT

PREFERENCE

INTEREST

DISPOSABLE INCOME

GUARANTEED RESERVATION

PRESUMED ABUSE

TRUTH IN LENDING ACT (TILA)

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