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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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David J. Gerber

Collection, Estate Planning, Transactions, Municipal

Status: In Good Standing

CONTACT

3200 Lime Avenue, Mount Vernon, IL 62864

Jerry Graham

Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

1103 Frontage Road, O Fallon, IL 62269

Terry Sharp

Litigation, Credit & Debt, Estate Planning, Real Estate

Status: In Good Standing

CONTACT

1115 Harrison Street, Mount Vernon, IL 62864

David John Gerber

Collection, Estate Planning, Transactions, Municipal

Status: In Good Standing Licensed: 56 Years

CONTACT

3200 Lime Avenue, Mount Vernon, IL 62864

Steven Andrew Gorom

Estate Planning, Employee Rights, Elder Law, Consumer Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

205 W Stonybrook Dr, Belleville, IL 62269

Allen George Mealey

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

4972 Benchmark Centre Dr, Belleville, IL 62226

Michael Benson

Estate, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

801 Lincoln Highway, Fairview Heights, IL 62208

Robert Gregory Lathram

Government, Criminal, Bankruptcy & Debt, Divorce & Family Law, Business

Status: In Good Standing Licensed: 35 Years

FREE CONSULTATION

CONTACT

203 W Main St, Collinsville, IL 62234

Sarah Ann-Elizabeth Benson

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 10 Years

CONTACT

801 Lincoln Highway, Fairview Heights, IL 62208

Michael John Benson

Estate, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

801 Lincoln Highway, Fairview Heights, IL 62208

800-923-0641

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LEGAL TERMS

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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Carlyle Bankruptcy & Debt Lawyer, Illinois, page 4

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

David J. Gerber

Jerry Graham

Terry Sharp

David John Gerber

Steven Andrew Gorom

Allen George Mealey

Michael Benson

Robert Gregory Lathram

Sarah Ann-Elizabeth Benson

Michael John Benson

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LEGAL TERMS

SUBROGATION

REPOSSESSION

COLLECTION AGENCY

NO-FAULT INSURANCE

CREDIT BUREAU

SOLE PROPRIETORSHIP

GENERAL PARTNER

DOING BUSINESS AS (DBA)

DISPOSABLE INCOME

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