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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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Steve Beck

Bankruptcy, Divorce

Status:

FREE CONSULTATION

CONTACT

19250 Everett Lane, Mokena, IL 60448

Mark W. Page

Industry Specialties, Corporate, Bankruptcy & Debt, Transactions

Status: Licensed: 40 Years

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11255 Patrick Court, Frankfort, IL 60423

Mona Elgindy

Elder Law, Civil Rights, Administrative Law, Bankruptcy

Status: Licensed: 15 Years

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116 N Chicago St, Joliet, IL 60432

Ronay Betouni

Landlord-Tenant, Trusts, Divorce, Collection

Status: Licensed: 8 Years

CONTACT

58 N Chicago St, Joliet, IL 60432

David Siegel

Bankruptcy & Debt, Bankruptcy, Divorce & Family Law, Divorce

Status:

FREE CONSULTATION

CONTACT

54 N. Ottawa St., Joliet, IL 60432

Firas M. Abunada

Bankruptcy, Family Law, Commercial Real Estate

Status: Licensed: 13 Years

CONTACT

9550 Bormet Drive, Mokena, IL 60448

Theresa Berkey

International Tax, Estate Planning, Civil Rights, Bankruptcy

Status: Licensed: 15 Years

CONTACT

1938 E Lincoln Hwy, New Lenox, IL 60451

Laura Wardinski

Bankruptcy

Status: Licensed: 39 Years

CONTACT

702 Pintail Drive, New Lenox, IL 60451

James A. Hasier

Litigation, Banking & Finance, Bankruptcy & Debt

Status: Licensed: 36 Years

CONTACT

17634 Greenfield Court, Orland Park, IL 60467

Thomas M. Britt

Real Estate, Estate, Family Law, Bankruptcy

Status: Licensed: 35 Years

CONTACT

18312 Distinctive Dr, Orland Park, IL 60467

800-923-0641

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LEGAL TERMS

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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New Lenox Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Steve Beck

Mark W. Page

Mona Elgindy

Ronay Betouni

David Siegel

Firas M. Abunada

Theresa Berkey

Laura Wardinski

James A. Hasier

Thomas M. Britt

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LEGAL TERMS

NUISANCE FEES

FAIR CREDIT REPORTING ACT (FCRA)

NO-FAULT INSURANCE

REPOSSESSION

SUBROGATION

SOLE PROPRIETORSHIP

IRS EXPENSES

C CORPORATION

CREDIT BUREAU

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