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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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Michael G. Curry

Commercial Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

715 S. 42nd Street, Mount Vernon, IL 62864

Terrell Lee Sharp

Banking & Finance, Bankruptcy, Corporate, Collection

Status: In Good Standing

CONTACT

1115 Harrison, Mount Vernon, IL 62864

Mandy L. Combs

Bankruptcy, Credit & Debt, Estate Planning, Foreclosure

Status: In Good Standing

CONTACT

1115 Harrison, Mount Vernon, IL 62864

Samuel Edward Bauerle

Family Law, Divorce, Transactions, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

321 West Mcmackin Street, Salem, IL 62881

Samuel Bauerle

Family Law, Divorce, Transactions, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

321 West Mcmackin Street, Salem, IL 62881

Michael Edward Reed

Lawsuit & Dispute, Corporate, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 50 Years

CONTACT

310 South Elm St, Centralia, IL 62801

Jack S. Parker

Accident & Injury, Bankruptcy, Divorce & Family Law

Status: In Good Standing Licensed: 53 Years

CONTACT

7 Woods Lane, Centralia, IL 62801

John T. Hundley

International, Corporate, Contract, Collection

Status: In Good Standing Licensed: 46 Years

CONTACT

1115 Harrison St, Mount Vernon, IL 62864

Dana Morgan Brink

Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

1414 N Salem Road, Mount Vernon, IL 62864

Dana Brink

Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

1414 N Salem Road, Mount Vernon, IL 62864

800-923-0641

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LEGAL TERMS

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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Iuka Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Michael G. Curry

Terrell Lee Sharp

Mandy L. Combs

Samuel Edward Bauerle

Samuel Bauerle

Michael Edward Reed

Jack S. Parker

John T. Hundley

Dana Morgan Brink

Dana Brink

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LEGAL TERMS

DOING BUSINESS AS (DBA)

DISCHARGEABLE DEBTS

FRAUDULENT TRANSFER

BULK SALES LAW

FAIR CREDIT REPORTING ACT (FCRA)

MEANS TEST

TRUTH IN LENDING ACT (TILA)

LIABILITY

CREDIT COUNSELING

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