Cottage Hills Bankruptcy & Debt 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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Susan F. Grammer

Bankruptcy, Criminal, DUI-DWI, Traffic

Status: In Good Standing

FREE CONSULTATION

CONTACT

2 Terminal Dr., East Alton, IL 62024

John M. Delaney

Farms, Child Support, Criminal, Bankruptcy

Status: In Good Standing

CONTACT

346 West Saint Louis Avenue, East Alton, IL 62024

David Virgin

Family Law, Divorce & Family Law, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 46 Years

CONTACT

24 North Lincoln, Cottage Hills, IL 62018

David Allen Virgin

Divorce & Family Law, Civil Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 46 Years

CONTACT

24 North Lincoln, Cottage Hills, IL 62018

Patrick Radcliffe Sullivan

Criminal, Merger & Acquisition, Collection, Accident & Injury

Status: In Good Standing Licensed: 14 Years

CONTACT

111 At Airline Dr, East Alton, IL 62024

Gary Grammer

Mediation, Federal Appellate Practice, Family Law, Bankruptcy

Status: In Good Standing Licensed: 56 Years

CONTACT

2 Terminal Dr, East Alton, IL 62024

Susan Grammer

Personal Injury, Bankruptcy, Divorce, Estate Planning

Status: In Good Standing

CONTACT

2 Terminal Drive, East Alton, IL 62024

John Delaney

Divorce & Family Law, Criminal, Civil Rights, Bankruptcy

Status: In Good Standing

CONTACT

346 W St Louis Ave, East Alton, IL 62024

Ebony R. Huddleston

Corporate, Business Successions, Business Organization, Bankruptcy Litigation

Status: In Good Standing Licensed: 19 Years

CONTACT

1401 Washington Ave, Alton, IL 62002

William W. Asa

Commercial Real Estate, Litigation, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

Alton, IL 62002

800-923-0641

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LEGAL TERMS

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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.

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.

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Cottage Hills Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Susan F. Grammer

John M. Delaney

David Virgin

David Allen Virgin

Patrick Radcliffe Sullivan

Gary Grammer

Susan Grammer

John Delaney

Ebony R. Huddleston

William W. Asa

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LEGAL TERMS

REAFFIRMATION

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

GENERAL PARTNER

SECURED DEBT

LOSS DAMAGE WAIVER (LDW)

BULK SALES LAW

SOLE PROPRIETORSHIP

WORKOUT

DEBIT CARD

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