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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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Helen R. Shields

General Practice

Status: In Good Standing Licensed: 45 Years

CONTACT

5414 Hill Road, Richmond, IL 60071

Helen Shields

General Practice

Status: In Good Standing Licensed: 45 Years

CONTACT

5414 Hill Road, Richmond, IL 60071

Paul Zukowski

Traffic, Divorce & Family Law, Criminal, Bankruptcy

Status: In Good Standing Licensed: 37 Years

CONTACT

5320 W. Elm Street, Mchenry, IL 60050

Robert F. Casey

Complex Litigation, Contract, Consumer Bankruptcy, Bankruptcy Litigation

Status: In Good Standing Licensed: 49 Years

CONTACT

Mchenry, IL 60051

Robert Emmett Burke

Landlord-Tenant, Estate Planning, Transactions, Collection

Status: In Good Standing Licensed: 46 Years

CONTACT

1509 N Richmond Rd, Crystal Lake, IL 60050

Patrick Jerome Mc Andrews

Real Estate, Health Care, Government, Bankruptcy & Debt

Status: In Good Standing Licensed: 48 Years

CONTACT

3302 North Chellington Drive, Crystal Lake, IL 60050

Guy Youman

Corporate, Collection, Elder Law, Adoption, Trusts

Status: In Good Standing

CONTACT

4306F W. Crystal Lake Rd., Mchenry, IL 60050

Guy R. Youman

Adoption, Elder Law, Corporate, Collection

Status: In Good Standing

CONTACT

4306 W. Crystal Lake Road, Mchenry, IL 60050

Charles T. Reilly

Residential Real Estate, Traffic, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

4310 W Crystal Lake Rd, Crystal Lake, IL 60050

Charles Reilly

Residential Real Estate, Traffic, Bankruptcy, Personal Injury, Criminal

Status: In Good Standing Licensed: 46 Years

CONTACT

4310 W Crystal Lake Rd, Crystal Lake, IL 60050

800-923-0641

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LEGAL TERMS

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 COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

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Ringwood Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Helen R. Shields

Helen Shields

Paul Zukowski

Robert F. Casey

Robert Emmett Burke

Patrick Jerome Mc Andrews

Guy Youman

Guy R. Youman

Charles T. Reilly

Charles Reilly

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LEGAL TERMS

FAIR LABOR STANDARDS ACT (FLSA)

CREDIT COUNSELING

GUARANTEED RESERVATION

NUISANCE FEES

DISPOSABLE INCOME

LIABILITY

CREDIT REPORT

BULK SALES LAW

GENERAL PARTNER

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