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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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Joseph A. Duesterhaus

Litigation, Federal Appellate Practice, Corporate, Bankruptcy

Status: Licensed: 42 Years

CONTACT

625 Vermont St, Quincy, IL 62301

William Mccleery

Real Estate, Litigation, Corporate, Bankruptcy

Status: Licensed: 44 Years

CONTACT

525 Jersey St, Quincy, IL 62301

Amy Lannerd

Banking & Finance, Bankruptcy, Personal Injury, Workers' Compensation

Status: Licensed: 24 Years

CONTACT

435 Hampshire Street, Quincy, IL 62301

Saleem Bashir Mamdani

Divorce, Civil Rights, Transactions, Collection

Status: Licensed: 19 Years

CONTACT

435 Hampshire Street, Quincy, IL 62301

Saleem Mamdani

Divorce, Civil Rights, Transactions, Collection

Status: Licensed: 19 Years

CONTACT

435 Hampshire Street, Quincy, IL 62301

Davis Dempsey

Social Security, Workers' Compensation, Employment, Bankruptcy

Status: Licensed: 37 Years

CONTACT

236 N 6Th St, Quincy, IL 62301

Drew Templeton Erwin

Government, Workers' Compensation, Collection, Legal Malpractice

Status: Licensed: 34 Years

CONTACT

636 Hampshire St, Quincy, IL 62301

John R. Longlett

International Tax, Banking & Finance, Bankruptcy

Status: Licensed: 54 Years

CONTACT

525 Jersey, Quincy, IL 62301

John Longlett

International Tax, Banking & Finance, Bankruptcy

Status: Licensed: 54 Years

CONTACT

525 Jersey, Quincy, IL 62301

Dale Venvertloh

Collection

Status: Licensed: 51 Years

CONTACT

607 Vermont, Quincy, IL 62301

800-814-6700

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LEGAL TERMS

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

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.

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.'

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.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

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.

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Liberty Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Joseph A. Duesterhaus

William Mccleery

Amy Lannerd

Saleem Bashir Mamdani

Saleem Mamdani

Davis Dempsey

Drew Templeton Erwin

John R. Longlett

John Longlett

Dale Venvertloh

TIPS

LEGAL TERMS

MEETING OF CREDITORS

MEANS TEST

TRUTH IN LENDING ACT (TILA)

LOSS DAMAGE WAIVER (LDW)

NO-FAULT INSURANCE

DISPOSABLE INCOME

DISCHARGEABLE DEBTS

C CORPORATION

SECRET WARRANTY PROGRAM

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