Sawyerville Collection 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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George Bradley Hantla

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

Status: In Good Standing Licensed: 52 Years

CONTACT

Litchfield, IL 62056

Thomas Day Denby

Real Estate, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 36 Years

CONTACT

Carlinville, IL 62626

Thomas Denby

Federal Appellate Practice, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 37 Years

CONTACT

Carlinville, IL 62626

Lawrence Owen Taliana

Landlord-Tenant, Litigation, Collection, Bankruptcy

Status: In Good Standing

CONTACT

Edwardsville, IL 62025

Lawrence Taliana

Landlord-Tenant, Litigation, Collection, Bankruptcy

Status: In Good Standing

CONTACT

Edwardsville, IL 62025

William Asa

Commercial Real Estate, Litigation, Criminal, Collection

Status: In Good Standing

CONTACT

216 North Main Street, Edwardsville, IL 62025

William W. Asa

Commercial Real Estate, Litigation, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

Alton, IL 62002

Brian R. Kalb

Construction Contracts, Bad Faith, Commercial Insurance, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

411 St Louis St, Edwardsville, IL 62025

Christopher Byron

Litigation, Class Action, Intellectual Property, Estate Planning, Collection

Status: In Good Standing Licensed: 28 Years

CONTACT

411 St Louis St, Edwardsville, IL 62025

Brian Kalb

Municipal, Business, Collection, Personal Injury

Status: In Good Standing Licensed: 23 Years

CONTACT

411 St Louis St, Edwardsville, IL 62025

800-923-0641

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LEGAL TERMS

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.

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.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed 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.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

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Sawyerville Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

George Bradley Hantla

Thomas Day Denby

Thomas Denby

Lawrence Owen Taliana

Lawrence Taliana

William Asa

William W. Asa

Brian R. Kalb

Christopher Byron

Brian Kalb

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

DOING BUSINESS AS (DBA)

FAIR LABOR STANDARDS ACT (FLSA)

CREDIT BUREAU

DISCHARGE (OF DEBTS)

COLLECTION AGENCY

SUBROGATION

GARNISHMENT

CREDIT COUNSELING

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