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

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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

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415 North Duncan Street, Marine, IL 62061

Michael R. Bilbrey

Workers' Compensation, Child Support, Bankruptcy, Accident & Injury, Employment

Status: Licensed: 45 Years

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8724 Pin Oak Road, Edwardsville, IL 62025

Lisa M. Nyuli

Family Law, Divorce, Collection, Bankruptcy

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156 N Main St, Edwardsville, IL 62025

Wendy Julian

Estate Planning, Divorce & Family Law, Business & Trade, Bankruptcy, Traffic

Status: Licensed: 14 Years

CONTACT

156 N Main St, Edwardsville, IL 62025

Lawrence Taliana

Landlord-Tenant, Litigation, Collection, Bankruptcy

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CONTACT

Edwardsville, IL 62025

Billie L Johnson

Social Security -- Disability, Municipal, Business & Trade, Bankruptcy & Debt

Status: Licensed: 29 Years

CONTACT

Edwardsville, IL 62025

Steven T. Stanton

Lawsuit & Dispute, Collection, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 40 Years

CONTACT

Edwardsville, IL 62025

Steven Stanton

Bankruptcy, Collection

Status: Licensed: 40 Years

CONTACT

Edwardsville, IL 62025

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LEGAL TERMS

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

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.

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.

TRADE NAME

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

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.

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.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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Alhambra Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Susan F. Grammer

Harold G. Belsheim

Roy Anderson

Michael R. Bilbrey

Lisa M. Nyuli

Wendy Julian

Lawrence Taliana

Billie L Johnson

Steven T. Stanton

Steven Stanton

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LEGAL TERMS

GRACE PERIOD

CREDIT BUREAU

CREDIT COUNSELING

ACCORD AND SATISFACTION

TRADE NAME

FAIR CREDIT BILLING ACT (FCBA)

DEFINED CONTRIBUTION PLAN

MEETING OF CREDITORS

CHAPTER 7 BANKRUPTCY

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