Carrier Mills 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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2. Email
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Jay Howd

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Bankruptcy & Debt, Bankruptcy, Consumer Bankruptcy, Credit & Debt

Your First Step to a Fresh Start

Jay B. Howd was born and raised in LaHarpe, Illinois, a small farm community in west-central Illinois. Jay graduated valedictorian of his LaHarpe high... (more)

FREE CONSULTATION

CONTACT

618-993-1300

206 W Deyoung St, Marion, IL 62959

Dale Aschemann

Lawsuit & Dispute, Civil Rights, Business, Accident & Injury, Bankruptcy

Status: Licensed: 26 Years

CONTACT

300 N Monroe St, Marion, IL 62959

Daniel Lim

General Practice

Status: Licensed: 22 Years

CONTACT

Vienna, IL 62995

Daniel Lim

General Practice

Status: Licensed: 22 Years

CONTACT

Vienna, IL 62995

Frances E Salimi

Estate Planning, Family Law, Civil Rights, Bankruptcy

Status: Licensed: 29 Years

CONTACT

400 W Jackson St, Marion, IL 62959

Kristin M. Kyle

General Practice

Status: Licensed: 8 Years

CONTACT

Harrisburg, IL 62946

Larry Edward Lauterjung

Child Custody, Criminal, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

1702B West Main Street, Marion, IL 62959

Lyndon G. Willms

Bankruptcy & Debt

Status: Licensed: 17 Years

CONTACT

206 W. Deyoung St, Marion, IL 62959

Paul L. Myers

Social Security, Elder Law, Securities, Collection

Status: Licensed: 46 Years

CONTACT

1 S Main St, Harrisburg, IL 62946

Tambra Cain

Collection, Transactions, Commercial Real Estate, Commercial Real Estate

Status: Licensed: 22 Years

CONTACT

Vienna, IL 62995

800-814-6700

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LEGAL TERMS

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

Carrier Mills Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jay Howd

Dale Aschemann

Daniel Lim

Daniel Lim

Frances E Salimi

Kristin M. Kyle

Larry Edward Lauterjung

Lyndon G. Willms

Paul L. Myers

Tambra Cain

TIPS

LEGAL TERMS

CHAPTER 13 PLAN

GRACE PERIOD

UNDUE HARDSHIP

COLLATERAL

SECRET WARRANTY PROGRAM

FAIR LABOR STANDARDS ACT (FLSA)

401(K) PLAN

CREDIT COUNSELING

CREDITOR

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