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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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H. Allen Yow

Alimony & Spousal Support, Child Support, Adoption, Collection

Status: In Good Standing

CONTACT

232 West State Street, Jacksonville, IL 62650

Craig Grummel

Workers' Compensation, Elder Law, Collection, Medical Malpractice

Status: In Good Standing Licensed: 17 Years

CONTACT

524 N Main St, Carrollton, IL 62016

Thomas Day Denby

Real Estate, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 36 Years

CONTACT

Carlinville, IL 62626

Thomas Denby

Federal Appellate Practice, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 37 Years

CONTACT

Carlinville, IL 62626

Jeffrey L. Soltermann

Adoption, Collection, Consumer Bankruptcy, Bankruptcy Litigation

Status: In Good Standing Licensed: 30 Years

CONTACT

816 W State St, Jacksonville, IL 62650

Amy L. Jackson

Criminal, Administrative Law, Collection, Animal Bite

Status: In Good Standing Licensed: 32 Years

CONTACT

232 W State St, Jacksonville, IL 62651

Thomas L. Veith

Construction Contracts, Consumer Protection, Commercial Banks, Collection

Status: In Good Standing Licensed: 35 Years

CONTACT

816 W State St, Jacksonville, IL 62650

Homer Allen Yow

Adoption, Civil Rights, Contract, Collection

Status: In Good Standing Licensed: 35 Years

CONTACT

232 W State St, Jacksonville, IL 62651

David Bruce Shaw

Collection, Transactions, Wills & Probate, Estate

Status: In Good Standing Licensed: 43 Years

CONTACT

303 E Adams St, Pittsfield, IL 62363

Eddie Carpenter

Federal Appellate Practice, Civil Rights, Transactions, Collection

Status: In Good Standing

CONTACT

305 W State St, Jacksonville, IL 62651

800-923-0641

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LEGAL TERMS

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

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.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

CCCS

See Consumer Credit Counseling Service.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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Carrollton Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

H. Allen Yow

Craig Grummel

Thomas Day Denby

Thomas Denby

Jeffrey L. Soltermann

Amy L. Jackson

Thomas L. Veith

Homer Allen Yow

David Bruce Shaw

Eddie Carpenter

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LEGAL TERMS

PREFERENCE

NONEXEMPT PROPERTY

DISCHARGEABLE DEBTS

CREDIT REPORT

GUARANTOR

NO-FAULT INSURANCE

CCCS

GENERAL PARTNER

GRACE PERIOD

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