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

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111 Franklin Street, Polo, IL 61064

Janet Buttron

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

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8525 Flagg Rd, Chana, IL 61015

Philip Hastings Nye

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420 Fourth Ave, Rochelle, IL 61068

Paul Edward Chadwick

Government, Estate Planning, Estate, Collection

Status: In Good Standing

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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

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Oregon, IL 61061

Robert Chadwick

Estate Planning, Estate, Divorce & Family Law, Criminal

Status: In Good Standing

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420 4Th Avenue, Rochelle, IL 61068

Robert Terrence Chadwick

Real Estate, Lawsuit & Dispute, Estate Planning, Estate

Status: In Good Standing

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420 4Th Avenue, Rochelle, IL 61068

Philip Nye

Commercial Real Estate, Estate, Transactions, Business

Status: In Good Standing

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420 Fourth Ave, Rochelle, IL 61068

Kim Douglas Krahenbuhl

Real Estate, International Tax, Corporate, Personal Injury

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607 Washington St, Oregon, IL 61061

David Allyn Smith

Real Estate, Government, Civil & Human Rights, Business

Status: In Good Standing Licensed: 52 Years

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129 S Fourth St, Oregon, IL 61061

800-923-0641

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LEGAL TERMS

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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.'

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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

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LEGAL TERMS

COLLECTION AGENCY

TRADE NAME

BULK SALES LAW

MEETING OF CREDITORS

CHAPTER 7 BANKRUPTCY

ACCORD AND SATISFACTION

GARNISHMENT

FRATERNAL BENEFIT SOCIETY BENEFITS

LOSS DAMAGE WAIVER (LDW)

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