Lebanon 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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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

Kara Lechien

Family Law, Divorce, Divorce & Family Law, Collection

Status: Licensed: 24 Years

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120 W Main St, Belleville, IL 62220

Candice Compton Kusmer

Health Care Other, Family Law, Consumer Bankruptcy, Medical Malpractice

Status: Licensed: 20 Years

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1405 N Green Mount Rd, Belleville, IL 62269

Steven Andrew Gorom

Estate Planning, Employee Rights, Elder Law, Consumer Bankruptcy

Status: Licensed: 13 Years

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205 W Stonybrook Dr, Belleville, IL 62269

Allen George Mealey

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

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4972 Benchmark Centre Dr, Belleville, IL 62226

Stanley Weller

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

Status: Licensed: 38 Years

CONTACT

One S Church St, Belleville, IL 62220

Megan M. Nolan

Family Law, Divorce, Lawsuit & Dispute, Bankruptcy, Agriculture

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11 S High St, Belleville, IL 62220

Terry Ivan Bruckert

Banking & Finance, Bankruptcy, Corporate, Business Organization, Litigation

Status: Licensed: 32 Years

CONTACT

1002 E Wesley Dr, Belleville, IL 62269

Myron Hanna

Civil Rights, Banking & Finance, Collection, Bankruptcy

Status: Licensed: 44 Years

CONTACT

530 Fullerton Rd, Belleville, IL 62222

Matthew Patrick Walsh

Traffic, Criminal, Collection, Personal Injury

Status: Licensed: 59 Years

CONTACT

530 Fullerton Rd, Belleville, IL 62222

800-814-6700

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LEGAL TERMS

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.

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.

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 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.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

CCCS

See Consumer Credit Counseling Service.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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Lebanon Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Harold G. Belsheim

Kara Lechien

Candice Compton Kusmer

Steven Andrew Gorom

Allen George Mealey

Stanley Weller

Megan M. Nolan

Terry Ivan Bruckert

Myron Hanna

Matthew Patrick Walsh

TIPS

LEGAL TERMS

HOUSEHOLDER

INTEREST

401(K) PLAN

CREDIT BUREAU

GENERAL PARTNER

GRACE PERIOD

REDEMPTION

CCCS

CREDIT INSURANCE

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