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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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Mark Anderson

Landlord-Tenant, Federal Appellate Practice, Divorce & Family Law, Collection, Divorce

Status: In Good Standing

CONTACT

7627 West Lake Street, River Forest, IL 60305

Craig Smith

Commercial Real Estate, Litigation, Civil Rights, Collection

Status: In Good Standing Licensed: 28 Years

CONTACT

1011 Lake St, Oak Park, IL 60301

Kelly Patrick Sibert

Real Estate, Collection, Contract, Credit & Debt

Status: In Good Standing Licensed: 16 Years

CONTACT

446 Des Plaines Ave, Forest Park, IL 60130

Felicia Farr Norwood

General Practice

Status: In Good Standing Licensed: 42 Years

CONTACT

Oak Park, IL 60303

Felicia Norwood

General Practice

Status: In Good Standing Licensed: 42 Years

CONTACT

Oak Park, IL 60303

Ira Phil Goldberg

Trusts, Credit & Debt, Collection, Bankruptcy

Status: In Good Standing

CONTACT

216 Higgins Road, Park Ridge, IL 60068

David Arena

Litigation, Business, Collection, Personal Injury

Status: In Good Standing

CONTACT

216 Higgins Road, Park Ridge, IL 60068

Abraham Elliott Brustein

Business, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 48 Years

CONTACT

216 Higgins Rd, Park Ridge, IL 60068

Carolyn Bassani Cardona

General Practice

Status: In Good Standing Licensed: 32 Years

CONTACT

8755 W. Higgins, Chicago, IL 60631

Brian David Schulman

Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

8755 W. Higgins, Chicago, IL 60631

800-923-0641

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LEGAL TERMS

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.

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.'

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

TRADE NAME

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

CREDIT FILE

See credit report.

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.

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.

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River Grove Collection Lawyer, Illinois

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PMJ PLLC

SPONSORED LAWYERS

Mark Anderson

Craig Smith

Kelly Patrick Sibert

Felicia Farr Norwood

Felicia Norwood

Ira Phil Goldberg

David Arena

Abraham Elliott Brustein

Carolyn Bassani Cardona

Brian David Schulman

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

LOSS DAMAGE WAIVER (LDW)

MEANS TEST

GARNISHMENT

UNDUE HARDSHIP

TRADE NAME

CREDIT FILE

ACCORD AND SATISFACTION

MEETING OF CREDITORS

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