Perry County, IL Credit & Debt 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
1. Contact
2. Email
3. Refer
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Not enough matches for Perry Credit & Debt lawyer.
Below are all Perry lawyers.

Aaron Atkins

General Practice

Status: In Good Standing Licensed: 39 Years

CONTACT

18 N Oak St, Du Quoin, IL 62832

Aaron Ardene Atkins

Estate Planning, Family Law, Elder Law, Trade Associations

Status: In Good Standing Licensed: 39 Years

CONTACT

18 N Oak St, Du Quoin, IL 62832

Amy Diane Kristen

Education, Traffic, Estate, Child Custody

Status: In Good Standing Licensed: 10 Years

CONTACT

3170 Union Street, Du Quoin, IL 62832

Bradley James Olson

General Practice

Status: In Good Standing Licensed: 33 Years

CONTACT

913 Malone St, Pinckneyville, IL 62274

Calen Campanella

Government, Family Law, Criminal, Banking & Finance

Status: In Good Standing Licensed: 11 Years

CONTACT

108 E Main St, Du Quoin, IL 62832

Calen James Campanella

Government, Family Law, Criminal, Banking & Finance, Federal

Status: In Good Standing Licensed: 11 Years

CONTACT

108 E Main St, Du Quoin, IL 62832

Cynthia Loos

Other, Government, Divorce & Family Law, Criminal

Status: In Good Standing Licensed: 20 Years

CONTACT

12A W Water St, Pinckneyville, IL 62274

Cynthia Carolyn Loos

Other, Government, Divorce & Family Law, Criminal

Status: In Good Standing Licensed: 20 Years

CONTACT

12A W Water St, Pinckneyville, IL 62274

David Searby

General Practice

Status: In Good Standing Licensed: 24 Years

CONTACT

1 Public Square, Pinckneyville, IL 62274

David Howard Searby

General Practice

Status: In Good Standing Licensed: 24 Years

CONTACT

1 Public Square, Pinckneyville, IL 62274

800-923-0641

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LEGAL TERMS

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.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

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.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

SAMPLE LEGAL CASES

Portfolio Acquisitions, LLC v. Feltman

... On June 28, 2005, plaintiff filed its initial complaint against defendant to collect on an alleged defaulted credit card debt. ... Plaintiff asserts that it is well entrenched in Illinois law that the statute of limitations for an action on a credit card debt is 10 years. ...

Treadway v. NATIONS CREDIT FINANCIAL SERVS.

... appeals the order of the circuit court of Madison County that dismissed his class action complaint against the defendant, Nations Credit Financial Services ... knowingly done, shall be deemed a forfeiture of the entire interest which the note, bill, or other evidence of debt carries with ...

Laubner v. JP Morgan Chase Bank, NA

... More to the point, plaintiffs have not set forth any facts to show why $11,500 per month is not enough to sustain their respective lifestyles in a manner that is "comfortable." Plaintiffs make no allegations of debt (aside from the credit debt that trustees paid off), steep mortgage ...

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Perry County, IL Credit & Debt Lawyers

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Aaron Atkins

Aaron Ardene Atkins

Amy Diane Kristen

Bradley James Olson

Calen Campanella

Calen James Campanella

Cynthia Loos

Cynthia Carolyn Loos

David Searby

David Howard Searby

TIPS

LEGAL TERMS

CHAPTER 7 BANKRUPTCY

CYBERSQUATTING

PRESUMED ABUSE

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

TRUTH IN LENDING ACT (TILA)

GUARANTEED RESERVATION

CHAPTER 13 PLAN

ADMINISTRATIVE EXPENSES

CREDIT COUNSELING

SAMPLE LEGAL CASES

Portfolio Acquisitions, LLC v. Feltman

Treadway v. NATIONS CREDIT FINANCIAL SERVS.

Laubner v. JP Morgan Chase Bank, NA

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