Stonefort Reorganization 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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Jay Howd

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Bankruptcy & Debt, Bankruptcy, Consumer Bankruptcy, Credit & Debt

Your First Step to a Fresh Start

Jay B. Howd was born and raised in LaHarpe, Illinois, a small farm community in west-central Illinois. Jay graduated valedictorian of his LaHarpe high... (more)

FREE CONSULTATION

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618-993-1300

206 W Deyoung St, Marion, IL 62959

David Louis Bartelsmeyer

Federal Appellate Practice, Estate Planning, Estate, Collection

Status: Licensed: 33 Years

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Energy, IL 62933

Kristin M. Kyle

General Practice

Status: Licensed: 9 Years

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Harrisburg, IL 62946

Paul L. Myers

Social Security, Elder Law, Securities, Collection

Status: Licensed: 46 Years

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1 S Main St, Harrisburg, IL 62946

Todd Patrick Bittle

Traffic, DUI-DWI, Civil Rights, Collection

Status: Licensed: 30 Years

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317 E. Poplar Street, Harrisburg, IL 62946

Angela Kochan

Business & Trade, Civil Rights, Collection, Estate Planning, Business

Status: Licensed: 27 Years

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121 West Cherry Street, Herrin, IL 62948

Larry Edward Lauterjung

Child Custody, Criminal, Bankruptcy, Bankruptcy & Debt

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1702B West Main Street, Marion, IL 62959

Frances E Salimi

Estate Planning, Family Law, Civil Rights, Bankruptcy

Status: Licensed: 29 Years

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400 W Jackson St, Marion, IL 62959

Dale Aschemann

Lawsuit & Dispute, Civil Rights, Business, Accident & Injury, Bankruptcy

Status: Licensed: 26 Years

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300 N Monroe St, Marion, IL 62959

Lyndon G. Willms

Bankruptcy & Debt

Status: Licensed: 17 Years

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206 W. Deyoung St, Marion, IL 62959

800-814-6700

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LEGAL TERMS

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.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

CREDIT FILE

See credit report.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

TRADE NAME

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

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Stonefort Reorganization Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jay Howd

David Louis Bartelsmeyer

Kristin M. Kyle

Paul L. Myers

Todd Patrick Bittle

Angela Kochan

Larry Edward Lauterjung

Frances E Salimi

Dale Aschemann

Lyndon G. Willms

TIPS

LEGAL TERMS

DEFINED CONTRIBUTION PLAN

DOING BUSINESS AS (DBA)

CREDIT FILE

CREDITOR

CURRENT MONTHLY INCOME

ADMINISTRATIVE EXPENSES

DISCHARGE (OF DEBTS)

FAIR CREDIT REPORTING ACT (FCRA)

TRADE NAME

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