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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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Richard John Bernardoni

Commercial Real Estate, Estate Planning, Transactions, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

115 S 6Th St, Marshall, IL 62441

Richard Bernardoni

Commercial Real Estate, Estate Planning, Transactions, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

115 S 6Th St, Marshall, IL 62441

Richard J. Bernardoni

Commercial Real Estate, Estate Planning, Transactions, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

115 S 6Th St, Marshall, IL 62441

Kristin Wilson

Collection, Landlord-Tenant

Status: In Good Standing Licensed: 34 Years

CONTACT

600 Jackson Avenue, Charleston, IL 61920

Edwin C. Barney

Litigation, Divorce, Civil Rights, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

208 W North St, Danville, IL 61832

Edwin Barney

Litigation, Divorce, Civil Rights, Transactions, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

208 W North St, Danville, IL 61832

Pamela Sue Howell

Adoption, Americans with Disabilities Act , Transactions, Collection

Status: Inactive Licensed: 47 Years

CONTACT

48 N. Vermilion St., Danville, IL 61832

James Steven Ayres

Litigation, Estate Planning, Divorce, Collection

Status: In Good Standing

CONTACT

102 E Main St, Robinson, IL 62454

Michael Correll

Divorce & Family Law, Criminal, Civil Rights, Collection

Status: In Good Standing

CONTACT

309 South Jefferson, Robinson, IL 62454

Lindsey Floyd

Divorce & Family Law, Civil Rights, Business & Trade, Collection

Status: In Good Standing

CONTACT

309 South Jefferson, Robinson, IL 62454

800-923-0641

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LEGAL TERMS

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare 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.'

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

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.

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.

Vermilion Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Richard John Bernardoni

Richard Bernardoni

Richard J. Bernardoni

Kristin Wilson

Edwin C. Barney

Edwin Barney

Pamela Sue Howell

James Steven Ayres

Michael Correll

Lindsey Floyd

TIPS

LEGAL TERMS

CREDIT INSURANCE

CYBERSQUATTING

NONEXEMPT PROPERTY

LOSS DAMAGE WAIVER (LDW)

REDEMPTION

REAFFIRMATION

SECRET WARRANTY PROGRAM

REPOSSESSION

FDCPA

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