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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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Colleen Thomas

Divorce & Family Law, Bankruptcy, Child Custody, Child Support, Adoption

Thomas Law Office is a family law practice that handles divorce and bankruptcy cases, as well as child custody, child support, adoptions and more. For... (more)

CONTACT

847-426-7990

30 N. Western Avenue, Carpentersville, IL 60110

Deanna Lynne Aguinaga Walker

Estate, Estate Planning, Residential Real Estate, Bankruptcy & Debt, Wills & Probate

Geneva Estate Planning Lawyer

Deanna L. Aguinaga Walker is a well-versed attorney who concentrates her practice in the areas of estate planning, bankruptcy, residential real estate... (more)

FREE CONSULTATION

CONTACT

331-222-7978

28 N. 1st St., Suite 101, Geneva, IL 60134

John E. Juergensmeyer

Corporate, Consumer Bankruptcy, DUI-DWI, Estate Planning

Status: In Good Standing

FREE CONSULTATION

CONTACT

1275 Davis Road, Elgin, IL 60123

Thomas Gosselin

Business Organization, Collection, Commercial Real Estate, Defamation & Slander

Status: In Good Standing

CONTACT

2425 Royal Blvd, Elgin, IL 60123

Kurt Hurtgen

Farms, Family Law, Divorce, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

7225 Longmeadow Lane, Hanover Park, IL 60133

Sarah J. Holbrook

Bankruptcy, Foreclosure

Status: In Good Standing

CONTACT

2413 W. Algonquin Rd., Algonquin, IL 60102

John Frederick Hurlbut

Arbitration, Criminal, Administrative Law, Collection

Status: In Good Standing Licensed: 40 Years

CONTACT

574 N Mclean Blvd, Elgin, IL 60123

Douglas Scheflow

International Tax, Divorce, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

1814 Grandstand Pl, Elgin, IL 60123

Janet Willerman Ellingson

Estate Planning, Divorce, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 41 Years

CONTACT

30 N Airlite St, Elgin, IL 60123

Douglas John Scheflow

Real Estate, Wills, Estate, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

63 Douglas Ave, Elgin, IL 60120

800-923-0641

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LEGAL TERMS

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

FDCPA

See Fair Debt Collections & Practices Act.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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.

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.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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Elgin Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Colleen Thomas

Deanna Lynne Aguinaga Walker

John E. Juergensmeyer

Thomas Gosselin

Kurt Hurtgen

Sarah J. Holbrook

John Frederick Hurlbut

Douglas Scheflow

Janet Willerman Ellingson

Douglas John Scheflow

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LEGAL TERMS

WORKOUT

INTEREST

FDCPA

CREDIT REPORT

ACCORD AND SATISFACTION

COLLECTION AGENCY

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

DOING BUSINESS AS (DBA)

FAIR LABOR STANDARDS ACT (FLSA)

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