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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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Ernest Lee Waite

Traffic, Estate Planning, Bankruptcy, Personal Injury, Business

Status: In Good Standing Licensed: 24 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

Ernest Waite

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 24 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

William D Mcgrath

Divorce & Family Law, Criminal, Bankruptcy, Civil Rights

Status: In Good Standing Licensed: 43 Years

CONTACT

421 N. 19th Street, Mattoon, IL 61938

Kenneth Redman Gano

Patent, Estate, Family Law, Divorce, Bankruptcy

Status: In Good Standing

CONTACT

303 6Th Street, Charleston, IL 61920

David Charles Nelson

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

1500 Broadway Avenue, Mattoon, IL 61938

Edward Willard Brankey

Bankruptcy, Immigration, Personal Injury, Workers' Compensation

Status: In Good Standing Licensed: 47 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

Roy Dent

Tax, Consumer Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

Judy Baker

Collection, Estate, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

201 North Logan Street, Mattoon, IL 61938

Kristin Wilson

Collection, Landlord-Tenant

Status: In Good Standing Licensed: 34 Years

CONTACT

600 Jackson Avenue, Charleston, IL 61920

James A. Bennett

Wills & Probate, Contract, Business, Bankruptcy

Status: In Good Standing

CONTACT

300 Richmond Ave, Mattoon, IL 61938

800-923-0641

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LEGAL TERMS

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.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

FCBA

See Fair Credit Billing Act.

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.

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.

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Arcola Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Ernest Lee Waite

Ernest Waite

William D Mcgrath

Kenneth Redman Gano

David Charles Nelson

Edward Willard Brankey

Roy Dent

Judy Baker

Kristin Wilson

James A. Bennett

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

LIMITED LIABILITY

WINDING UP

NUISANCE FEES

LIABILITY

FCBA

MEETING OF CREDITORS

CHAPTER 7 BANKRUPTCY

CREDIT BUREAU

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