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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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Allen W James

Construction, Elder Law, Contract, Collection

Status: Licensed: 28 Years

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Clinical Services Building, Anna, IL 62906

Jay B. Howd

Collection, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: Licensed: 33 Years

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811 W Main St, Carbondale, IL 62901

Sarah L. Taylor

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

Status:

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100 N Illinois Ave, Carbondale, IL 62901

Joanna Wells

Elder Law, Contract, Collection, Consumer Bankruptcy

Status: Licensed: 27 Years

CONTACT

1150 Douglas Dr, Carbondale, IL 62901

Marjorie Jane Miller-jones

General Practice

Status: Licensed: 43 Years

CONTACT

100 North Illinois Avenue, Carbondale, IL 62902

Kenneth Hughes

Corporate, Banking & Finance, Credit & Debt, Collection

Status:

CONTACT

100 N Illinois Ave, Carbondale, IL 62902

Charles R. Garnati

General Practice

Status:

CONTACT

500 California, Carterville, IL 62918

David Louis Bartelsmeyer

Federal Appellate Practice, Estate Planning, Estate, Collection

Status: Licensed: 33 Years

CONTACT

Energy, IL 62933

Paul L. Myers

Social Security, Elder Law, Securities, Collection

Status: Licensed: 46 Years

CONTACT

1 S Main St, Harrisburg, IL 62946

Todd Patrick Bittle

Traffic, DUI-DWI, Civil Rights, Collection

Status: Licensed: 29 Years

CONTACT

317 E. Poplar Street, Harrisburg, IL 62946

800-814-6700

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LEGAL TERMS

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.'

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.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

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New Grand Chain Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Allen W James

Jay B. Howd

Sarah L. Taylor

Joanna Wells

Marjorie Jane Miller-jones

Kenneth Hughes

Charles R. Garnati

David Louis Bartelsmeyer

Paul L. Myers

Todd Patrick Bittle

TIPS

LEGAL TERMS

CREDIT COUNSELING

DEBT COLLECTOR

COLLECTION AGENCY

IRS EXPENSES

LIQUIDATING PARTNER

FAIR CREDIT BILLING ACT (FCBA)

LOSS DAMAGE WAIVER (LDW)

C CORPORATION

GUARANTEED RESERVATION

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