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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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H. Allen Yow

Alimony & Spousal Support, Child Support, Adoption, Collection

Status: In Good Standing

CONTACT

232 West State Street, Jacksonville, IL 62650

Mark L. Vincent

Real Estate, Health Care, Employment, Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

118 N Capitol Ave, Mount Sterling, IL 62353

Timothy Wessel

DUI-DWI, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 15 Years

CONTACT

114 East Seconf Street, Beardstown, IL 62618

Timothy Jacob Wessel

DUI-DWI, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 15 Years

CONTACT

114 East Seconf Street, Beardstown, IL 62618

David Bruce Shaw

Collection, Transactions, Wills & Probate, Estate

Status: In Good Standing Licensed: 43 Years

CONTACT

303 E Adams St, Pittsfield, IL 62363

Jeffrey L. Soltermann

Adoption, Collection, Consumer Bankruptcy, Bankruptcy Litigation

Status: In Good Standing Licensed: 30 Years

CONTACT

816 W State St, Jacksonville, IL 62650

Thomas L. Veith

Construction Contracts, Consumer Protection, Commercial Banks, Collection

Status: In Good Standing Licensed: 35 Years

CONTACT

816 W State St, Jacksonville, IL 62650

Amy L. Jackson

Criminal, Administrative Law, Collection, Animal Bite

Status: In Good Standing Licensed: 32 Years

CONTACT

232 W State St, Jacksonville, IL 62651

Homer Allen Yow

Adoption, Civil Rights, Contract, Collection

Status: In Good Standing Licensed: 35 Years

CONTACT

232 W State St, Jacksonville, IL 62651

Eddie Carpenter

Federal Appellate Practice, Civil Rights, Transactions, Collection

Status: In Good Standing

CONTACT

305 W State St, Jacksonville, IL 62651

800-923-0641

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LEGAL TERMS

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.

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.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.'

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

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Chambersburg Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

H. Allen Yow

Mark L. Vincent

Timothy Wessel

Timothy Jacob Wessel

David Bruce Shaw

Jeffrey L. Soltermann

Thomas L. Veith

Amy L. Jackson

Homer Allen Yow

Eddie Carpenter

TIPS

LEGAL TERMS

ABUSE

FAIR CREDIT BILLING ACT (FCBA)

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

LOSS DAMAGE WAIVER (LDW)

GUARANTOR

INFRINGEMENT (OF TRADEMARK)

SETOFF

UNDUE HARDSHIP

C CORPORATION

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