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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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Brian David Johnson

Social Security, Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

1802 N Division St, Morris, IL 60450

Russelle L. Holsinger

Litigation, Securities Fraud , Business & Trade, Collection

Status: In Good Standing Licensed: 27 Years

CONTACT

Coal City, IL 60416

Brian Michael Gabor

Traffic, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 26 Years

CONTACT

207 W Madison St, Pontiac, IL 61764

Brian Gabor

Traffic, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 26 Years

CONTACT

207 W Madison St, Pontiac, IL 61764

Curtis W. Myers

Real Estate, Trusts, Adoption, Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

222 W Madison St, Pontiac, IL 61764

Marilyn S. Barton

Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 55 Years

CONTACT

1606 Champlain St, Ottawa, IL 61350

Megan Boan

Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

227 West Madison Street, Ottawa, IL 61350

William T. Surin

Workers' Compensation, Family Law, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

724 Columbus St, Ottawa, IL 61350

Mark Edward Anderson

Landlord-Tenant, Federal Appellate Practice, Transactions, Collection, Social Security

Status: In Good Standing

CONTACT

511 Etna Rd, Ottawa, IL 61350

James Leo Keely

Litigation, Estate Planning, Corporate, Collection

Status: In Good Standing Licensed: 52 Years

CONTACT

500 E Main St, Ottawa, IL 61350

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

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.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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Kinsman Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Brian David Johnson

Russelle L. Holsinger

Brian Michael Gabor

Brian Gabor

Curtis W. Myers

Marilyn S. Barton

Megan Boan

William T. Surin

Mark Edward Anderson

James Leo Keely

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LEGAL TERMS

INTEREST

CHAPTER 13 BANKRUPTCY

CREDITOR

GRACE PERIOD

FAIR LABOR STANDARDS ACT (FLSA)

TRUTH IN LENDING ACT (TILA)

SUBROGATION

LIQUIDATING PARTNER

BANKRUPTCY

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