Paris Workout 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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Richard John Bernardoni

Commercial Real Estate, Estate Planning, Transactions, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

115 S 6Th St, Marshall, IL 62441

Richard J. Bernardoni

Commercial Real Estate, Estate Planning, Transactions, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

115 S 6Th St, Marshall, IL 62441

Richard Bernardoni

Commercial Real Estate, Estate Planning, Transactions, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

115 S 6Th St, Marshall, IL 62441

William David Mcgrath

Traffic, Estate Planning, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 42 Years

CONTACT

107 S Sixth Street, Marshall, IL 62441

Paul Edmund Wieck

Social Security, Workers' Compensation, Criminal, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 43 Years

CONTACT

517 Locust St, Marshall, IL 62441

Marsha L. Combs-skinner

Estate Planning, Workers' Compensation, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 34 Years

CONTACT

Newman, IL 61942

Marsha Combs-skinner

Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 35 Years

CONTACT

Newman, IL 61942

Rodney Louis Smith

Dispute Resolution, Workers' Compensation, Contract, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

622 Jackson Avenue, Charleston, IL 61920

Kenneth Redman Gano

Patent, Estate, Family Law, Divorce, Bankruptcy

Status: In Good Standing

CONTACT

303 6Th Street, Charleston, IL 61920

Roy Dent

Tax, Consumer Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

800-923-0641

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LEGAL TERMS

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

CCCS

See Consumer Credit Counseling Service.

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.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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Paris Workout Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Richard John Bernardoni

Richard J. Bernardoni

Richard Bernardoni

William David Mcgrath

Paul Edmund Wieck

Marsha L. Combs-skinner

Marsha Combs-skinner

Rodney Louis Smith

Kenneth Redman Gano

Roy Dent

TIPS

LEGAL TERMS

IRS EXPENSES

FAIR CREDIT BILLING ACT (FCBA)

DOING BUSINESS AS (DBA)

MEANS TEST

CHAPTER 13 BANKRUPTCY

FAIR CREDIT REPORTING ACT (FCRA)

CCCS

INTEREST

NONDISCHARGEABLE DEBTS

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