Lake City 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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2. Email
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Julie Beyers

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

601 E William St, Decatur, IL 62525

John Robert Barr

Family Law, Divorce, Collection, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

Decatur, IL 62525

Heather Michelle Giannino

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

601 E William St, Decatur, IL 62523

Heather Giannino

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

601 E William St, Decatur, IL 62523

Julie Beyers

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

601 E William St, Decatur, IL 62525

Rhonda A. Peek

Commercial Real Estate, Landlord-Tenant, Transactions, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

Decatur, IL 62525

Joseph Basola

Workers' Compensation, Banking & Finance, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 53 Years

CONTACT

234 S Franklin St, Decatur, IL 62523

Joseph W. Basola

Workers' Compensation, Banking & Finance, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 53 Years

CONTACT

234 S Franklin St, Decatur, IL 62523

James Arthur Coale

Government, Transactions, Bankruptcy

Status: In Good Standing Licensed: 50 Years

CONTACT

111 E Main Street, Decatur, IL 62523

Matthew Charles Spain

Lawsuit & Dispute, Health Care, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 12 Years

CONTACT

202 S Franklin St, Decatur, IL 62523

800-923-0641

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LEGAL TERMS

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CREDIT FILE

See credit report.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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Lake City Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Julie Beyers

John Robert Barr

Heather Michelle Giannino

Heather Giannino

Julie Beyers

Rhonda A. Peek

Joseph Basola

Joseph W. Basola

James Arthur Coale

Matthew Charles Spain

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LEGAL TERMS

SECRET WARRANTY PROGRAM

IRS EXPENSES

REPOSSESSION

DEBIT CARD

CURRENT MONTHLY INCOME

FAIR LABOR STANDARDS ACT (FLSA)

CREDIT INSURANCE

CREDIT FILE

GARNISHMENT

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