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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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Richard W. Hopp

Divorce, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 53 Years

CONTACT

1301 E Mound Rd, Decatur, IL 62526

Faiq M. Mihlar

Real Estate, Litigation, Collection, Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

601 E William St, Decatur, IL 62525

Faiq Mihlar

Real Estate, Litigation, Collection, Bankruptcy

Status: In Good Standing Licensed: 24 Years

CONTACT

601 E William St, Decatur, IL 62525

Monica Hawkins

Workers' Compensation, DUI-DWI, Collection, Personal Injury

Status: In Good Standing Licensed: 27 Years

CONTACT

363 S Main St, Decatur, IL 62523

Jay L Barr

Family Law, Divorce, Collection, Bankruptcy

Status: In Good Standing Licensed: 20 Years

CONTACT

1301 E Mound Rd, Decatur, IL 62526

Jay Barr

Family Law, Divorce, Collection, Bankruptcy

Status: In Good Standing Licensed: 20 Years

CONTACT

1301 E Mound Rd, Decatur, IL 62526

Richard Hopp

Divorce, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 53 Years

CONTACT

1301 E Mound Rd, Decatur, IL 62526

Julie Beyers

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

601 E William St, Decatur, IL 62525

John Robert Barr

Family Law, Divorce, Collection, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

Decatur, IL 62525

Julie Beyers

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 31 Years

CONTACT

601 E William St, Decatur, IL 62525

800-923-0641

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LEGAL TERMS

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.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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Argenta Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Richard W. Hopp

Faiq M. Mihlar

Faiq Mihlar

Monica Hawkins

Jay L Barr

Jay Barr

Richard Hopp

Julie Beyers

John Robert Barr

Julie Beyers

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LEGAL TERMS

SOLE PROPRIETORSHIP

COLLECTION AGENCY

DEBIT CARD

DOING BUSINESS AS (DBA)

PRESUMED ABUSE

REDEMPTION

HOUSEHOLDER

SECRET WARRANTY PROGRAM

LIABILITY

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