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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 Henneberry

Collection, Divorce, Municipal, Criminal

Status: In Good Standing Licensed: 44 Years

CONTACT

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

Larry Eugene Sittler

Social Security, Government, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 35 Years

CONTACT

1615 Fourth St, Peru, IL 61354

Larry Sittler

Social Security, Government, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 35 Years

CONTACT

1615 Fourth St, Peru, IL 61354

Robert Bruce Steele

Divorce & Family Law, Criminal, Americans with Disabilities Act , Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

160 Marquette St, La Salle, IL 61301

Anthony Eugene Sebastian

Workers' Compensation, Bankruptcy, Transactions, Business

Status: In Good Standing Licensed: 15 Years

CONTACT

850 Chartres Street, La Salle, IL 61301

Anthony Sebastian

Workers' Compensation, Bankruptcy, Transactions, Business

Status: In Good Standing Licensed: 15 Years

CONTACT

850 Chartres Street, La Salle, IL 61301

Michael Lee Henneberry

Municipal, Divorce, Criminal, Collection

Status: In Good Standing Licensed: 44 Years

CONTACT

17477 2400 North Ave, Walnut, IL 61376

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

800-923-0641

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LEGAL TERMS

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

CREDIT FILE

See credit report.

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.

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.'

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

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.

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Princeton Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Michael Henneberry

Larry Eugene Sittler

Larry Sittler

Robert Bruce Steele

Anthony Eugene Sebastian

Anthony Sebastian

Michael Lee Henneberry

Kathleen Michelle Stevenson

TIPS

LEGAL TERMS

DISCHARGE (OF DEBTS)

PREFERENCE

CREDIT FILE

NONDISCHARGEABLE DEBTS

LOSS DAMAGE WAIVER (LDW)

DISCHARGEABLE DEBTS

NUISANCE FEES

S CORPORATION

FAIR CREDIT BILLING ACT (FCBA)

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