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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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Joseph Brian Taylor

Divorce & Family Law, Criminal, Collection, Employee Rights

Status: In Good Standing Licensed: 56 Years

CONTACT

216 S. Center Street, Clinton, IL 61727

Joseph Mccune

General Practice

Status: In Good Standing Licensed: 24 Years

CONTACT

111 E Main Street, Decatur, IL 62523

Richard Hopp

Divorce, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 53 Years

CONTACT

1301 E Mound Rd, Decatur, IL 62526

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 Mihlar

Real Estate, Litigation, Collection, Bankruptcy

Status: In Good Standing Licensed: 24 Years

CONTACT

601 E William St, Decatur, IL 62525

Faiq M. Mihlar

Real Estate, Litigation, Collection, Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

601 E William St, Decatur, IL 62525

Regan Lewis

Civil Rights, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 14 Years

CONTACT

132 South Water St, Decatur, IL 62523

Lea Drew Jacobus

Lawsuit & Dispute, International, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 14 Years

CONTACT

202 South Franklin, Decatur, IL 62523

Steven Langhoff

Collection, Household Mold

Status: In Good Standing Licensed: 26 Years

CONTACT

202 South Franklin, Decatur, IL 62523

Matthew Spain

Lawsuit & Dispute, Health Care, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 12 Years

CONTACT

202 S Franklin St, Decatur, IL 62523

800-923-0641

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LEGAL TERMS

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

TRADE NAME

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

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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Chestnut Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Joseph Brian Taylor

Joseph Mccune

Richard Hopp

Richard W. Hopp

Faiq Mihlar

Faiq M. Mihlar

Regan Lewis

Lea Drew Jacobus

Steven Langhoff

Matthew Spain

TIPS

LEGAL TERMS

NONEXEMPT PROPERTY

UNDUE HARDSHIP

TRUTH IN LENDING ACT (TILA)

FORBEARANCE

FAIR LABOR STANDARDS ACT (FLSA)

TRADE NAME

UNSECURED DEBT

INTEREST

NONDISCHARGEABLE DEBTS

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