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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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2. Email
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Linda Colón

Elder Law, Divorce, Business, Consumer Bankruptcy

Status: Inactive

CONTACT

Charleston, IL 61920

Edward Willard Brankey

Bankruptcy, Immigration, Personal Injury, Workers' Compensation

Status: In Good Standing Licensed: 46 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

Roy Jackson Dent

Real Estate, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

Kristin Lyn Wilson

Landlord-Tenant, Government, Collection, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

611 6Th Street, Charleston, IL 61920

Kristin Wilson

Collection, Landlord-Tenant

Status: In Good Standing Licensed: 34 Years

CONTACT

600 Jackson Avenue, Charleston, IL 61920

Kenneth Redman Gano

Patent, Estate, Family Law, Divorce, Bankruptcy

Status: In Good Standing

CONTACT

303 6Th Street, Charleston, IL 61920

Julie Nichols Matthews

Intellectual Property, Family Law, Collection, Estate Planning

Status: In Good Standing Licensed: 30 Years

CONTACT

1519 University Drive, Charleston, IL 61920

Roy Dent

Tax, Consumer Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

Christopher Lee Wetzel

General Practice

Status: In Good Standing Licensed: 21 Years

CONTACT

509 7Th Street, Charleston, IL 61920

Rodney Louis Smith

Dispute Resolution, Workers' Compensation, Contract, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

622 Jackson Avenue, Charleston, IL 61920

800-923-0641

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LEGAL TERMS

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

FCRA

See Fair Credit Reporting Act.

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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Arthur Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Linda Colón

Edward Willard Brankey

Roy Jackson Dent

Kristin Lyn Wilson

Kristin Wilson

Kenneth Redman Gano

Julie Nichols Matthews

Roy Dent

Christopher Lee Wetzel

Rodney Louis Smith

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LEGAL TERMS

FAIR CREDIT REPORTING ACT (FCRA)

SUBROGATION

SECRET WARRANTY PROGRAM

NONEXEMPT PROPERTY

FCRA

INTEREST

DISCHARGEABLE DEBTS

LIMITED LIABILITY

MEETING OF CREDITORS

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