Lawndale 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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Michael Patrick McIlmail

Wills, Trusts, DUI-DWI, Consumer Bankruptcy, Mass Torts

Status: Licensed: 12 Years

CONTACT

1857 Tiffany Avenue, Lincoln, IL 62656

Timothy Forman

Accident & Injury, Bankruptcy & Debt

Status: Licensed: 43 Years

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419 Pulaski Street, Lincoln, IL 62656

David Ratowitz

Commercial Real Estate, Real Estate, Transactions, Bankruptcy & Debt

Status:

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207 Vernon Dr, Hopedale, IL 61747

Joseph Brian Taylor

Divorce & Family Law, Criminal, Collection, Employee Rights

Status: Licensed: 57 Years

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216 S. Center Street, Clinton, IL 61727

Michelle Noreen Schneiderheinze-Connell

Divorce & Family Law, Bankruptcy, Personal Injury, Divorce, Family Law

Status: Licensed: 25 Years

CONTACT

2011 Fox Creek Road, Bloomington, IL 61701

Kavita Uppal

Divorce, Criminal, Civil Rights, Collection

Status: Licensed: 30 Years

CONTACT

115 W Front St, Bloomington, IL 61701

Michelle Mosby-Scott

Family Law, Divorce, Divorce & Family Law, Juvenile Law, Collection

Status: Licensed: 30 Years

CONTACT

210 1/2 N Williamsburg Dr, Bloomington, IL 61704

Matthew Edward Butler

Federal Appellate Practice, Civil Rights, Bankruptcy, Personal Injury, DUI-DWI

Status: Licensed: 12 Years

CONTACT

210 1/2 N Williamsburg Dr, Bloomington, IL 61704

Michael Kenneth Blissenbach

Bankruptcy & Debt

Status: Licensed: 24 Years

CONTACT

201 West Olive, Bloomington, IL 61701

Brian David Pondenis

Employee Rights, Divorce, Criminal, Bankruptcy & Debt

Status:

CONTACT

201 W Olive St, Bloomington, IL 61701

800-814-6700

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LEGAL TERMS

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.

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.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

TRADE NAME

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

CCCS

See Consumer Credit Counseling Service.

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.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

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Lawndale Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Michael Patrick McIlmail

Timothy Forman

David Ratowitz

Joseph Brian Taylor

Michelle Noreen Schneiderheinze-Connell

Kavita Uppal

Michelle Mosby-Scott

Matthew Edward Butler

Michael Kenneth Blissenbach

Brian David Pondenis

TIPS

LEGAL TERMS

401(K) PLAN

ACCORD AND SATISFACTION

GRACE PERIOD

FORBEARANCE

TRADE NAME

CCCS

FAIR CREDIT REPORTING ACT (FCRA)

MEANS TEST

HOUSEHOLDER

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