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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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Tambra Cain

Collection, Transactions, Commercial Real Estate, Commercial Real Estate

Status: Licensed: 23 Years

CONTACT

Vienna, IL 62995

Daniel Lim

General Practice

Status: Licensed: 23 Years

CONTACT

Vienna, IL 62995

Daniel Lim

General Practice

Status: Licensed: 23 Years

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Vienna, IL 62995

Allen W James

Construction, Elder Law, Contract, Collection

Status: Licensed: 28 Years

CONTACT

Clinical Services Building, Anna, IL 62906

Joanna Wells

Elder Law, Contract, Collection, Consumer Bankruptcy

Status: Licensed: 27 Years

CONTACT

1150 Douglas Dr, Carbondale, IL 62901

Sarah L. Taylor

Estate Planning, Civil Rights, Credit & Debt, Collection, Eminent Domain

Status:

CONTACT

100 N Illinois Ave, Carbondale, IL 62901

Kenneth Hughes

Corporate, Banking & Finance, Credit & Debt, Collection

Status:

CONTACT

100 N Illinois Ave, Carbondale, IL 62902

Jay B. Howd

Collection, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: Licensed: 33 Years

CONTACT

811 W Main St, Carbondale, IL 62901

Marjorie Jane Miller-jones

General Practice

Status: Licensed: 44 Years

CONTACT

100 North Illinois Avenue, Carbondale, IL 62902

David Louis Bartelsmeyer

Federal Appellate Practice, Estate Planning, Estate, Collection

Status: Licensed: 33 Years

CONTACT

Energy, IL 62933

800-814-6700

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LEGAL TERMS

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

TRADE NAME

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

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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New Grand Chain Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Tambra Cain

Daniel Lim

Daniel Lim

Allen W James

Joanna Wells

Sarah L. Taylor

Kenneth Hughes

Jay B. Howd

Marjorie Jane Miller-jones

David Louis Bartelsmeyer

TIPS

LEGAL TERMS

GUARANTOR

LIEN

TRADE NAME

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

TOXIC TORT

HOUSEHOLDER

INTEREST

CHAPTER 13 BANKRUPTCY

DEFINED CONTRIBUTION PLAN

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