Pulaski 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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Jay Howd

✓ VERIFIED

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

Allen W James

Construction, Elder Law, Contract, Collection

Status: In Good Standing Licensed: 28 Years

CONTACT

Clinical Services Building, Anna, IL 62906

John Lloyd

Estate Planning, Family Law, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 23 Years

CONTACT

102 N Fourth St, Vienna, IL 62995

John Jeremy Lloyd

Motor Vehicle, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 23 Years

CONTACT

102 N Fourth St, Vienna, IL 62995

Tambra Kay Cain

Collection, Transactions, Commercial Real Estate

Status: In Good Standing Licensed: 22 Years

CONTACT

Vienna, IL 62995

Tambra Cain

Collection, Transactions, Commercial Real Estate

Status: In Good Standing Licensed: 22 Years

CONTACT

Vienna, IL 62995

Daniel Lim

General Practice

Status: In Good Standing Licensed: 22 Years

CONTACT

Vienna, IL 62995

Daniel Lim

General Practice

Status: In Good Standing Licensed: 22 Years

CONTACT

Vienna, IL 62995

Terry J. Foster

Banking & Finance, Business, Bankruptcy & Debt, Personal Injury

Status: In Good Standing Licensed: 53 Years

CONTACT

110 W Fifth St, Metropolis, IL 62960

Richard Kruger

Traffic, Estate Planning, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 53 Years

CONTACT

110 W 5Th St, Metropolis, IL 62960

800-923-0641

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800-943-8690

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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.

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.

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.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

CCCS

See Consumer Credit Counseling Service.

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.

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.

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.

Pulaski Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jay Howd

Allen W James

John Lloyd

John Jeremy Lloyd

Tambra Kay Cain

Tambra Cain

Daniel Lim

Daniel Lim

Terry J. Foster

Richard Kruger

TIPS

LEGAL TERMS

INTEREST

UNDUE HARDSHIP

ABUSE

DEFINED CONTRIBUTION PLAN

CCCS

TRUTH IN LENDING ACT (TILA)

CREDIT COUNSELING

COLLECTION AGENCY

FDCPA

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