Carbondale 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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Jay Howd

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Bankruptcy & Debt, Bankruptcy, Consumer Bankruptcy, Credit & Debt

Your First Step to a Fresh Start

Jay B. Howd was born and raised in LaHarpe, Illinois, a small farm community in west-central Illinois. Jay graduated valedictorian of his LaHarpe high... (more)

FREE CONSULTATION

CONTACT

618-993-1300

206 W Deyoung St, Marion, IL 62959

Jay B. Howd

Collection, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 32 Years

CONTACT

811 W Main St, Carbondale, IL 62901

Michael Twomey

Mediation, Banking & Finance, Credit & Debt, Collection

Status: In Good Standing

CONTACT

100 N Illinois Ave, Carbondale, IL 62902

Sarah Jeanne Taylor

Eminent Domain, Estate Planning, Civil Rights, Credit & Debt

Status: In Good Standing

CONTACT

100 N Illinois Ave, Carbondale, IL 62901

Sarah L. Taylor

Estate Planning, Civil Rights, Credit & Debt, Collection

Status: In Good Standing

CONTACT

100 N Illinois Ave, Carbondale, IL 62901

Kenneth Hughes

Corporate, Banking & Finance, Credit & Debt, Collection

Status: In Good Standing

CONTACT

100 N Illinois Ave, Carbondale, IL 62902

Michael Raymond Twomey

Environmental Law, Banking & Finance, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

100 N Illinois Ave, Carbondale, IL 62902

Kenneth Rowland Hughes

Corporate, Banking & Finance, Credit & Debt, Collection

Status: In Good Standing

CONTACT

100 N Illinois Ave, Carbondale, IL 62902

Rebecca Ann Whittington

Government, Estate Planning, Elder Law, Civil Rights, Collection

Status: In Good Standing Licensed: 42 Years

CONTACT

930 West Walnut St, Carbondale, IL 62901

Gregory Allen Veach

Commercial Real Estate, Trusts, Business, Credit & Debt

Status: In Good Standing Licensed: 49 Years

CONTACT

2250 Reed Station Pkwy, Carbondale, IL 62903

800-923-0641

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LEGAL TERMS

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

FCBA

See Fair Credit Billing Act.

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.

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Carbondale Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jay Howd

Jay B. Howd

Michael Twomey

Sarah Jeanne Taylor

Sarah L. Taylor

Kenneth Hughes

Michael Raymond Twomey

Kenneth Rowland Hughes

Rebecca Ann Whittington

Gregory Allen Veach

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LEGAL TERMS

CHAPTER 7 BANKRUPTCY

MEETING OF CREDITORS

CREDIT COUNSELING

TRUTH IN LENDING ACT (TILA)

REAFFIRMATION

S CORPORATION

FCBA

INTEREST

DISCHARGE (OF DEBTS)

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