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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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Judy A. Baker

Trusts, Child Custody, Adoption, Collection, Estate Planning

Status: In Good Standing Licensed: 32 Years

CONTACT

201 N. Logan, Gays, IL 61928

Ernest Lee Waite

Traffic, Estate Planning, Bankruptcy, Personal Injury, Business

Status: In Good Standing Licensed: 24 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

Ernest Waite

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 24 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

David Charles Nelson

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

1500 Broadway Avenue, Mattoon, IL 61938

William D Mcgrath

Divorce & Family Law, Criminal, Bankruptcy, Civil Rights

Status: In Good Standing Licensed: 43 Years

CONTACT

421 N. 19th Street, Mattoon, IL 61938

Ronald Edward Fuhr

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

307 North 3Rd Street, Effingham, IL 62401

Tracy Berberich

Collection, Transactions, Municipal

Status: In Good Standing Licensed: 22 Years

CONTACT

122 East Washington Avenue, Effingham, IL 62401

Judy Baker

Collection, Estate, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

201 North Logan Street, Mattoon, IL 61938

James A. Bennett

Wills & Probate, Contract, Business, Bankruptcy

Status: In Good Standing

CONTACT

300 Richmond Ave, Mattoon, IL 61938

Karen Fuqua

Criminal, Bankruptcy

Status: In Good Standing Licensed: 44 Years

CONTACT

1617 Wabash Avenue, Mattoon, IL 61938

800-923-0641

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LEGAL TERMS

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

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.

LIQUIDATING PARTNER

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

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

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.

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Neoga Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Judy A. Baker

Ernest Lee Waite

Ernest Waite

David Charles Nelson

William D Mcgrath

Ronald Edward Fuhr

Tracy Berberich

Judy Baker

James A. Bennett

Karen Fuqua

TIPS

LEGAL TERMS

CHAPTER 7 BANKRUPTCY

FAIR CREDIT BILLING ACT (FCBA)

IRS EXPENSES

FAIR LABOR STANDARDS ACT (FLSA)

LIQUIDATING PARTNER

NO-FAULT INSURANCE

SETOFF

ADMINISTRATIVE EXPENSES

TRUTH IN LENDING ACT (TILA)

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