Collinsville 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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Mark Brueggemann

Real Estate, Government, Collection

Status: Licensed: 42 Years

CONTACT

2011 Mall St, Collinsville, IL 62234

Karl J. Wulff

Criminal, Corporate, Bankruptcy, Bankruptcy & Debt

Status:

CONTACT

430 Regency Ctr, Collinsville, IL 62234

Robert Gregory Lathram

Government, Criminal, Bankruptcy & Debt, Divorce & Family Law, Business

Status: Licensed: 36 Years

FREE CONSULTATION

CONTACT

203 W Main St, Collinsville, IL 62234

Jamie Lynn Mitchell

Family Law, Divorce & Family Law, Criminal, Collection, Tax

Status: Licensed: 17 Years

CONTACT

2135 N Center St, Maryville, IL 62062

John B. Raffaelle

Divorce & Family Law, Litigation, Litigation, Bankruptcy, Estate Planning

Status: Licensed: 65 Years

CONTACT

401 Saint Louis Rd, Collinsville, IL 62234

Mark Silvermintz

Litigation, Credit & Debt, Business

Status:

CONTACT

1355 North Bluff Road, Collinsville, IL 62234

Robert Bruegge

Insurance, Bankruptcy

Status:

CONTACT

1606 E.Port Plaza Dr, Collinsville, IL 62234

Thea Felice Rubin

Collection, Banking & Finance

Status: Licensed: 33 Years

CONTACT

2011 Mall, Collinsville, IL 62234

Leslie A. Wood

Mediation, Family Law, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 27 Years

CONTACT

197 S. Main St., Glen Carbon, IL 62034

Thanhan Nguyen

Federal Appellate Practice, Estate Planning, Bankruptcy, Accident & Injury

Status: Licensed: 35 Years

CONTACT

2 Butternut Ln, Glen Carbon, IL 62034

800-814-6700

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LEGAL TERMS

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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Collinsville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Mark Brueggemann

Karl J. Wulff

Robert Gregory Lathram

Jamie Lynn Mitchell

John B. Raffaelle

Mark Silvermintz

Robert Bruegge

Thea Felice Rubin

Leslie A. Wood

Thanhan Nguyen

TIPS

LEGAL TERMS

INTEREST

LOSS DAMAGE WAIVER (LDW)

WORKOUT

GRACE PERIOD

SETOFF

FAIR LABOR STANDARDS ACT (FLSA)

FRAUDULENT TRANSFER

BULK SALES LAW

WINDING UP

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