Alhambra 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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Susan F. Grammer

Bankruptcy, Criminal, DUI-DWI, Traffic

Status:

FREE CONSULTATION

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2 Terminal Dr., East Alton, IL 62024

Harold G. Belsheim

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

Status:

FREE CONSULTATION

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1002 East Wesley Drive, O Fallon, IL 62269

Roy Anderson

Construction Contracts, Consumer Bankruptcy, Personal Injury, Animal Bite

Status: Licensed: 32 Years

CONTACT

415 North Duncan Street, Marine, IL 62061

Lawrence Taliana

Landlord-Tenant, Litigation, Collection, Bankruptcy

Status:

CONTACT

Edwardsville, IL 62025

Brian R. Kalb

Construction Contracts, Bad Faith, Commercial Insurance, Collection, Municipal

Status: Licensed: 24 Years

CONTACT

411 St Louis St, Edwardsville, IL 62025

William Asa

Commercial Real Estate, Litigation, Criminal, Collection

Status:

CONTACT

216 North Main Street, Edwardsville, IL 62025

Thomas Ludwig

Collection

Status: Licensed: 19 Years

CONTACT

10 Sunset Hills Professional Center, Edwardsville, IL 62025

Joel Alan Kunin

Litigation, Visa, Bankruptcy, Personal Injury, Banking & Finance

Status:

CONTACT

2227 S State Rt 157, Edwardsville, IL 62025

Robert Bruegge

Estate Planning, Business, Collection, Bankruptcy, Public Finance

Status:

CONTACT

2227 South State Route 157, Edwardsville, IL 62025

Mark Silvermintz

Litigation, Credit & Debt, Business

Status:

CONTACT

1355 North Bluff Road, Collinsville, IL 62234

800-814-6700

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LEGAL TERMS

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.

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.

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.

LIQUIDATING PARTNER

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

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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.

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).

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Alhambra Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Susan F. Grammer

Harold G. Belsheim

Roy Anderson

Lawrence Taliana

Brian R. Kalb

William Asa

Thomas Ludwig

Joel Alan Kunin

Robert Bruegge

Mark Silvermintz

TIPS

LEGAL TERMS

COSIGNER

CREDIT BUREAU

DISCHARGEABLE DEBTS

CREDIT COUNSELING

LIQUIDATING PARTNER

NONEXEMPT PROPERTY

GUARANTOR

UNDUE HARDSHIP

CREDIT REPORT

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