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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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Adolfo Brandon Sanchez

Bankruptcy

Status: In Good Standing Licensed: 17 Years

CONTACT

114 Safe Landing St, Loves Park, IL 61115

Amy Sue Beckmann

Bankruptcy, International, Bankruptcy & Debt

Status: In Good Standing Licensed: 18 Years

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1410 N Main St, Rockford, IL 61103

Amy Sue Beckmann

International, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 18 Years

CONTACT

1410 N Main St, Rockford, IL 61103

Bernard Joseph Natale

Bankruptcy & Debt, Commercial Bankruptcy, Consumer Bankruptcy

Status: In Good Standing

CONTACT

1639 North Alpine Road, Rockford, IL 61107

Bernard Natale

Bankruptcy

Status: In Good Standing

CONTACT

1639 North Alpine Road, Rockford, IL 61107

Brian Andrew Hart

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

1410 N. Main Street, Rockford, IL 61103

Christopher Reese

Estate, Employee Rights, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 19 Years

CONTACT

979 N Main St, Rockford, IL 61103

Darron Michael Burke

Tax, Bankruptcy, Business & Trade, Collection

Status: In Good Standing Licensed: 14 Years

CONTACT

3957 North Mulford Road, Rockford, IL 61114

David S. Adduce

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing Licensed: 52 Years

CONTACT

2503 Burrmont Rd, Rockford, IL 61107

Denise Kelvie Mc Gonyea

Prosecution, Criminal, Credit & Debt, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 17 Years

CONTACT

833 Featherstone Road, Rockford, IL 61107

800-923-0641

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LEGAL TERMS

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

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.

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Roscoe Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Adolfo Brandon Sanchez

Amy Sue Beckmann

Amy Sue Beckmann

Bernard Joseph Natale

Bernard Natale

Brian Andrew Hart

Christopher Reese

Darron Michael Burke

David S. Adduce

Denise Kelvie Mc Gonyea

TIPS

LEGAL TERMS

DISCHARGEABLE DEBTS

DEBT COLLECTOR

FAIR CREDIT BILLING ACT (FCBA)

CURRENT MONTHLY INCOME

LIEN

DEFINED CONTRIBUTION PLAN

TRUTH IN LENDING ACT (TILA)

LIMITED PARTNERSHIP

INFRINGEMENT (OF TRADEMARK)

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