Preemption Credit & Debt Lawyer, Illinois, page 2

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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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Below are all Preemption Bankruptcy & Debt lawyers.

Heather Lynne Carlson

Mediation, Workers' Compensation, Contract, Collection, Wrongful Death

Status:

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1262 N 1700Th Avenue, Orion, IL 61273

Dale Haake

Real Estate, Immigration, Business, Bankruptcy

Status: Licensed: 45 Years

CONTACT

1000 36Th Avenue, Moline, IL 61265

Frank Lawrence Edward Nowinski

Estate Planning, Employment, Business, Bankruptcy

Status: Licensed: 44 Years

CONTACT

1000 36Th Ave, Moline, IL 61265

William Matthew Hays

Workers' Compensation, Criminal, Bankruptcy, Medical Malpractice

Status: Licensed: 18 Years

CONTACT

1000 36Th Avenue, Moline, IL 61265

Dennis A. Vanderginst

Immigration, Divorce & Family Law, Bankruptcy, Personal Injury, Accident & Injury

Status:

CONTACT

4950 38Th Ave., Moline, IL 61265

Michael John Galvin

Social Security -- Disability, Workers' Compensation, Divorce, Bankruptcy & Debt, Personal Injury

Status: Licensed: 40 Years

CONTACT

4950 38Th Avenue, Moline, IL 61265

William Lester Breedlove

Commercial Real Estate, Estate Planning, Civil Rights, Bankruptcy

Status: Licensed: 14 Years

CONTACT

2103 16Th Street, Moline, IL 61265

Elaine Kopf

Divorce & Family Law, Criminal, Bankruptcy, Personal Injury

Status: Licensed: 21 Years

CONTACT

2009 9th Avenue, Rock Island, IL 61201

Michael Arthur Williams

International, Bankruptcy, Bankruptcy & Debt, Personal Injury

Status: Licensed: 53 Years

CONTACT

423 17Th Street, Rock Island, IL 61201

Herbert Francis Schultz

Estate Planning, Criminal, Collection, Personal Injury

Status: Licensed: 38 Years

CONTACT

423 17Th St, Rock Island, IL 61201

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LEGAL TERMS

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.'

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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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Preemption Credit & Debt Lawyer, Illinois, page 2

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Heather Lynne Carlson

Dale Haake

Frank Lawrence Edward Nowinski

William Matthew Hays

Dennis A. Vanderginst

Michael John Galvin

William Lester Breedlove

Elaine Kopf

Michael Arthur Williams

Herbert Francis Schultz

TIPS

LEGAL TERMS

GRACE PERIOD

FAIR CREDIT BILLING ACT (FCBA)

CREDIT BUREAU

FDCPA

REAFFIRMATION

LOSS DAMAGE WAIVER (LDW)

SECRET WARRANTY PROGRAM

S CORPORATION

ABUSE

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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