Walshville 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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2. Email
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James J. Kusmierczak

Real Estate, Estate, Bankruptcy & Debt, Mesothelioma

Status: In Good Standing

FREE CONSULTATION

CONTACT

156 North Main Street, Edwardsville, IL 62025

Peter Charles Drummond

Social Security, Workers' Compensation, Administrative Law, Bankruptcy

Status: In Good Standing Licensed: 50 Years

CONTACT

703 W Union Ave, Litchfield, IL 62056

Christopher B. Hantla

Child Support, Criminal, Contract, Bankruptcy

Status: In Good Standing Licensed: 25 Years

CONTACT

Litchfield, IL 62056

Christopher Hantla

Divorce & Family Law, Criminal, Civil Rights, Bankruptcy

Status: In Good Standing

CONTACT

Litchfield, IL 62056

George Hantla

Divorce & Family Law, Adoption, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

Litchfield, IL 62056

George Bradley Hantla

Banking & Finance, Collection, Personal Injury, Workers' Compensation

Status: In Good Standing Licensed: 52 Years

CONTACT

Litchfield, IL 62056

Gina Verticchio

Municipal, Estate Planning, Family Law, Bankruptcy, Criminal

Status: In Good Standing Licensed: 15 Years

CONTACT

100 E Chestnut, Gillespie, IL 62033

Gina Marie Verticchio

Municipal, Estate Planning, Family Law, Bankruptcy

Status: In Good Standing Licensed: 15 Years

CONTACT

100 E Chestnut, Gillespie, IL 62033

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

Michael R. Bilbrey

Workers' Compensation, Child Support, Bankruptcy, Accident & Injury, Employment

Status: In Good Standing Licensed: 44 Years

CONTACT

8724 Pin Oak Road, Edwardsville, IL 62025

800-923-0641

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LEGAL TERMS

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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.

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.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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Walshville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

James J. Kusmierczak

Peter Charles Drummond

Christopher B. Hantla

Christopher Hantla

George Hantla

George Bradley Hantla

Gina Verticchio

Gina Marie Verticchio

Roy Anderson

Michael R. Bilbrey

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LEGAL TERMS

ABUSE

LIABILITY

TOXIC TORT

UNSECURED DEBT

DEBT COLLECTOR

UNDUE HARDSHIP

INTEREST

TRUTH IN LENDING ACT (TILA)

AUTOMATIC STAY

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