Ogle County, IL Collection Lawyers

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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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Gary Reese

Estate, Workers' Compensation, Criminal, Accident & Injury

Status: In Good Standing

FREE CONSULTATION

CONTACT

111 Franklin Street, Polo, IL 61064

Janet Buttron

Federal Appellate Practice, Family Law, Juvenile Law, Administrative Law

Status: In Good Standing

CONTACT

8525 Flagg Rd, Chana, IL 61015

Philip Hastings Nye

Commercial Real Estate, Estate, Transactions, Business

Status: In Good Standing

CONTACT

420 Fourth Ave, Rochelle, IL 61068

Paul Edward Chadwick

Government, Estate Planning, Estate, Collection

Status: In Good Standing

CONTACT

420 Fourth Avenue, Rochelle, IL 61068

Kristin M. Folk

Land Use & Zoning, Family Law, Divorce & Family Law, Criminal

Status: In Good Standing Licensed: 17 Years

CONTACT

Oregon, IL 61061

Robert Chadwick

Estate Planning, Estate, Divorce & Family Law, Criminal

Status: In Good Standing

CONTACT

420 4Th Avenue, Rochelle, IL 61068

Robert Terrence Chadwick

Real Estate, Lawsuit & Dispute, Estate Planning, Estate

Status: In Good Standing

CONTACT

420 4Th Avenue, Rochelle, IL 61068

Philip Nye

Commercial Real Estate, Estate, Transactions, Business

Status: In Good Standing

CONTACT

420 Fourth Ave, Rochelle, IL 61068

Kim Douglas Krahenbuhl

Real Estate, International Tax, Corporate, Personal Injury

Status: In Good Standing

CONTACT

607 Washington St, Oregon, IL 61061

David Allyn Smith

Real Estate, Government, Civil & Human Rights, Business

Status: In Good Standing Licensed: 52 Years

CONTACT

129 S Fourth St, Oregon, IL 61061

800-923-0641

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LEGAL TERMS

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

FDCPA

See Fair Debt Collections & Practices Act.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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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Ogle County, IL Collection Lawyers

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Gary Reese

Janet Buttron

Philip Hastings Nye

Paul Edward Chadwick

Kristin M. Folk

Robert Chadwick

Robert Terrence Chadwick

Philip Nye

Kim Douglas Krahenbuhl

David Allyn Smith

TIPS

LEGAL TERMS

REPOSSESSION

LIMITED LIABILITY

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

FDCPA

PRESUMED ABUSE

S CORPORATION

401(K) PLAN

MEETING OF CREDITORS

FAIR CREDIT REPORTING ACT (FCRA)

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