Bunker Hill 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

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FREE CONSULTATION

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2 Terminal Dr., East Alton, IL 62024

Ebony R. Huddleston

Corporate, Business Successions, Business Organization, Bankruptcy Litigation

Status: Licensed: 19 Years

CONTACT

1401 Washington Ave, Alton, IL 62002

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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Edwardsville, IL 62025

John Sholar

Government, Collection, Bankruptcy, Bankruptcy & Debt

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2800 Buckmaster Lane, Alton, IL 62002

Michael Wesley

Workers' Compensation, Civil Rights, Bankruptcy, Personal Injury

Status: Licensed: 22 Years

CONTACT

17 Whitelaw Avenue, Wood River, IL 62095

Phillip H. Hamilton

Class Action, Business Successions, Administrative Law, Bankruptcy Litigation

Status: Licensed: 36 Years

CONTACT

1305 D'Adrian Prof Park, Godfrey, IL 62035

Joseph Reames

Traffic, DUI-DWI, Transactions, Collection

Status: Licensed: 22 Years

CONTACT

17 Whitelaw Avenue, Wood River, IL 62095

Shari L. Murphy

Lawsuit & Dispute, Government, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 22 Years

CONTACT

Wood River, IL 62095

William Asa

Commercial Real Estate, Litigation, Criminal, Collection

Status:

CONTACT

216 North Main Street, Edwardsville, IL 62025

800-814-6700

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LEGAL TERMS

TRADE NAME

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

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

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.

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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Bunker Hill Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Susan F. Grammer

Ebony R. Huddleston

Wendy Julian

Lawrence Taliana

John Sholar

Michael Wesley

Phillip H. Hamilton

Joseph Reames

Shari L. Murphy

William Asa

TIPS

LEGAL TERMS

TRADE NAME

REAFFIRMATION

FAIR CREDIT REPORTING ACT (FCRA)

HOUSEHOLDER

ACCORD AND SATISFACTION

TRUTH IN LENDING ACT (TILA)

COSIGNER

NO-FAULT INSURANCE

SOLE PROPRIETORSHIP

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