Kampsville Bankruptcy & Debt Lawyer, Illinois

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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

James J. Kusmierczak

Real Estate, Estate, Bankruptcy & Debt, Mesothelioma

Status: In Good Standing

FREE CONSULTATION

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156 North Main Street, Edwardsville, IL 62025

John M. Delaney

Farms, Child Support, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

346 West Saint Louis Avenue, East Alton, IL 62024

Susan F. Grammer

Bankruptcy, Criminal, DUI-DWI, Traffic

Status: In Good Standing

FREE CONSULTATION

CONTACT

2 Terminal Dr., East Alton, IL 62024

Adam Skeen Mcgonigle

Employment, Business, Bankruptcy & Debt, Products Liability

Status: In Good Standing

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103 West Vandalia Street, Edwardsville, IL 62025

Amy L. Jackson

Criminal, Administrative Law, Collection, Animal Bite

Status: In Good Standing Licensed: 32 Years

CONTACT

232 W State St, Jacksonville, IL 62651

Andrew K Carruthers

Commercial Real Estate, Construction, Collection, Corporate

Status: In Good Standing Licensed: 18 Years

CONTACT

Edwardsville, IL 62025

Bassam S. Abdallah

Real Estate, Bankruptcy & Debt, Products Liability, Personal Injury

Status: In Good Standing

CONTACT

1012 Plummer Drive, Edwardsville, IL 62025

Billie L Johnson

Social Security -- Disability, Municipal, Business & Trade, Bankruptcy & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

Edwardsville, IL 62025

Bradley Stephen Block

Lawsuit & Dispute, Bankruptcy & Debt, Divorce & Family Law

Status: In Good Standing Licensed: 47 Years

CONTACT

205 N 2Nd St, Edwardsville, IL 62025

800-923-0641

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LEGAL TERMS

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.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

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.

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.

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.

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.

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Kampsville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

H. Allen Yow

James J. Kusmierczak

John M. Delaney

Susan F. Grammer

Adam Skeen Mcgonigle

Amy L. Jackson

Andrew K Carruthers

Bassam S. Abdallah

Billie L Johnson

Bradley Stephen Block

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LEGAL TERMS

INTEREST

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

IRS EXPENSES

TRADE NAME

LIABILITY

FAIR LABOR STANDARDS ACT (FLSA)

ABUSE

GUARANTOR

DOING BUSINESS AS (DBA)

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