Addieville Collection 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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Terrell Lee Sharp

Banking & Finance, Bankruptcy, Corporate, Collection

Status: In Good Standing

CONTACT

1115 Harrison, Mount Vernon, IL 62864

William E. Miller

Personal Injury, Collection, Medical Malpractice, Workers' Compensation

Status: In Good Standing Licensed: 41 Years

CONTACT

1403 E. Broadway, Alton, IL 62002

Charles Dana Eastman

Wills & Probate, Trusts, Corporate, Collection

Status: In Good Standing Licensed: 61 Years

CONTACT

2520 State St, Alton, IL 62002

John Sholar

Government, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2800 Buckmaster Lane, Alton, IL 62002

John Arthur Sholar

Government, Collection, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

2800 Buckmaster Lane, Alton, IL 62002

William W. Asa

Commercial Real Estate, Litigation, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

Alton, IL 62002

Daniel Hayes

Real Estate, Municipal, Environmental Law, Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

3540 N Belt W, Belleville, IL 62226

Matthew Patrick Walsh

Traffic, Criminal, Collection, Personal Injury

Status: In Good Standing Licensed: 58 Years

CONTACT

530 Fullerton Rd, Belleville, IL 62222

Kara Lechien

Family Law, Divorce, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

120 W Main St, Belleville, IL 62220

Deborah Volmert

Lawsuit & Dispute, Government, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

530 Fullerton Rd, Belleville, IL 62222

800-923-0641

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LEGAL TERMS

CCCS

See Consumer Credit Counseling Service.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

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.

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Addieville Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Terrell Lee Sharp

William E. Miller

Charles Dana Eastman

John Sholar

John Arthur Sholar

William W. Asa

Daniel Hayes

Matthew Patrick Walsh

Kara Lechien

Deborah Volmert

TIPS

LEGAL TERMS

CCCS

WORKOUT

INTEREST

COLLECTION AGENCY

GARNISHMENT

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

SOLE PROPRIETORSHIP

IRS EXPENSES

TRUTH IN LENDING ACT (TILA)

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