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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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Michael Lee Henneberry

Municipal, Divorce, Criminal, Collection

Status: In Good Standing Licensed: 44 Years

CONTACT

17477 2400 North Ave, Walnut, IL 61376

Michael Henneberry

Collection, Divorce, Municipal, Criminal

Status: In Good Standing Licensed: 44 Years

CONTACT

700 S. Main St. Illinois, Princeton, IL 61356

Kathleen Michelle Stevenson

Divorce & Family Law, Trade Associations, Business & Trade, Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

1316 Meriden St, Mendota, IL 61342

Michael Carl Downey

Estate, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 41 Years

CONTACT

420 W 2D St, Dixon, IL 61021

Kelli Walker

Divorce & Family Law, Transactions, Collection, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

1202 E Fourth St, Sterling, IL 61081

Kelli Decker Walker

Child Custody, Adoption, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

1202 E Fourth St, Sterling, IL 61081

Trent Lyle Bush

Landlord-Tenant, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

Trent Bush

Employee Rights, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

Paul Alan Osborn

Litigation, Divorce, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 44 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

Lisa A. Gabriel

Immigration, Adoption, Collection, Bankruptcy

Status: In Good Standing Licensed: 37 Years

CONTACT

202 E 5Th St, Sterling, IL 61081

800-923-0641

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LEGAL TERMS

FCRA

See Fair Credit Reporting Act.

LIQUIDATING PARTNER

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

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

INFRINGEMENT (OF TRADEMARK)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringeme... (more...)

Unauthorized use of a protected trademark or service mark, or use of something very similar to a protected mark. The success of a lawsuit to stop the infringement turns on whether the defendant's use causes a likelihood of confusion in the average consumer. If a court determines that the average consumer would be confused, the owner of the original mark can prevent the other's use of the infringing mark and sometimes collect damages.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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Ohio Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Michael Lee Henneberry

Michael Henneberry

Kathleen Michelle Stevenson

Michael Carl Downey

Kelli Walker

Kelli Decker Walker

Trent Lyle Bush

Trent Bush

Paul Alan Osborn

Lisa A. Gabriel

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LEGAL TERMS

FCRA

LIQUIDATING PARTNER

COLLECTION AGENCY

SECRET WARRANTY PROGRAM

UNDUE HARDSHIP

ACCORD AND SATISFACTION

INFRINGEMENT (OF TRADEMARK)

LOSS DAMAGE WAIVER (LDW)

SOLE PROPRIETORSHIP

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