Staunton 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

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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

Christopher B. Hantla

Child Support, Criminal, Contract, Bankruptcy

Status: In Good Standing Licensed: 25 Years

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Litchfield, IL 62056

Christopher Hantla

Divorce & Family Law, Criminal, Civil Rights, Bankruptcy

Status: In Good Standing

CONTACT

Litchfield, IL 62056

Lawrence Owen Taliana

Landlord-Tenant, Litigation, Collection, Bankruptcy

Status: In Good Standing

CONTACT

Edwardsville, IL 62025

Lawrence Taliana

Landlord-Tenant, Litigation, Collection, Bankruptcy

Status: In Good Standing

CONTACT

Edwardsville, IL 62025

Roy Anderson

Construction Contracts, Consumer Bankruptcy, Personal Injury, Animal Bite

Status: In Good Standing Licensed: 31 Years

CONTACT

415 North Duncan Street, Marine, IL 62061

William Asa

Commercial Real Estate, Litigation, Criminal, Collection

Status: In Good Standing

CONTACT

216 North Main Street, Edwardsville, IL 62025

Larry E. Hepler

Pharmaceutical Product, Insurance, Commercial Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

103 W Vandalia St, Edwardsville, IL 62025

Brian R. Kalb

Construction Contracts, Bad Faith, Commercial Insurance, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

411 St Louis St, Edwardsville, IL 62025

800-923-0641

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LEGAL TERMS

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.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

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.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

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Staunton Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Susan F. Grammer

John M. Delaney

Christopher B. Hantla

Christopher Hantla

Lawrence Owen Taliana

Lawrence Taliana

Roy Anderson

William Asa

Larry E. Hepler

Brian R. Kalb

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LEGAL TERMS

INTEREST

DISCHARGE (OF DEBTS)

DEBIT CARD

UNSECURED DEBT

SETOFF

FAIR LABOR STANDARDS ACT (FLSA)

GARNISHMENT

CHAPTER 13 PLAN

COLLECTION AGENCY

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