Pinckneyville 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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Jay Howd

✓ VERIFIED

Bankruptcy & Debt, Bankruptcy, Consumer Bankruptcy, Credit & Debt

Your First Step to a Fresh Start

Jay B. Howd was born and raised in LaHarpe, Illinois, a small farm community in west-central Illinois. Jay graduated valedictorian of his LaHarpe high... (more)

FREE CONSULTATION

CONTACT

618-993-1300

206 W Deyoung St, Marion, IL 62959

Michael G. Curry

Commercial Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

715 S. 42nd Street, Mount Vernon, IL 62864

Terrell Lee Sharp

Banking & Finance, Bankruptcy, Corporate, Collection

Status: In Good Standing

CONTACT

1115 Harrison, Mount Vernon, IL 62864

Mandy L. Combs

Bankruptcy, Credit & Debt, Estate Planning, Foreclosure

Status: In Good Standing

CONTACT

1115 Harrison, Mount Vernon, IL 62864

Harold G. Belsheim

Aviation, Bankruptcy Litigation, Commercial Bankruptcy, Commercial Banks, Estate Planning

Status: In Good Standing

FREE CONSULTATION

CONTACT

1002 East Wesley Drive, O Fallon, IL 62269

Douglas C. Gruenke

Corporate, Business Organization, Banking & Finance, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

1002 East Wesley Drive, O Fallon, IL 62269

Dana Sue Frazier

Real Estate, Government, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

Murphysboro, IL 62966

Dana Frazier

Real Estate, Government, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

Murphysboro, IL 62966

Rex Gordon Burke

Other, Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 49 Years

CONTACT

907 Chestnut St, Murphysboro, IL 62966

Jay B. Howd

Collection, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

811 W Main St, Carbondale, IL 62901

800-923-0641

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LEGAL TERMS

TRADE NAME

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

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

CCCS

See Consumer Credit Counseling Service.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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.

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.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

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Pinckneyville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jay Howd

Michael G. Curry

Terrell Lee Sharp

Mandy L. Combs

Harold G. Belsheim

Douglas C. Gruenke

Dana Sue Frazier

Dana Frazier

Rex Gordon Burke

Jay B. Howd

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LEGAL TERMS

TRADE NAME

ACCORD AND SATISFACTION

NONDISCHARGEABLE DEBTS

CCCS

CREDIT BUREAU

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

ADMINISTRATIVE EXPENSES

TOXIC TORT

SUBROGATION

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