Addieville Collection Lawyer, Illinois, page 3

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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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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

William Asa

Commercial Real Estate, Litigation, Criminal, Collection

Status: In Good Standing

CONTACT

216 North Main Street, Edwardsville, IL 62025

David John Gerber

Commercial Real Estate, Estate Planning, Business, Collection

Status: In Good Standing Licensed: 55 Years

CONTACT

3200 Lime Avenue, Mount Vernon, IL 62864

David J. Gerber

Business Organization, Collection, Credit & Debt, Wills & Probate

Status: In Good Standing

CONTACT

3200 Lime Avenue, Mount Vernon, IL 62864

David J. Gerber

Collection, Estate Planning, Transactions, Municipal

Status: In Good Standing

CONTACT

3200 Lime Avenue, Mount Vernon, IL 62864

Sharon Sigwerth Costa

Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

2001 Broadway St, Mount Vernon, IL 62864

Phillip Andrew Theis

International Tax, Estate Planning, Securities, Collection

Status: In Good Standing Licensed: 34 Years

CONTACT

2145 Pontoon Rd, Granite City, IL 62040

John T. Hundley

International, Corporate, Contract, Collection

Status: In Good Standing Licensed: 46 Years

CONTACT

1115 Harrison St, Mount Vernon, IL 62864

Robert Emmett Shaw

Construction Contracts, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing

CONTACT

117 N 10Th St, Mount Vernon, IL 62864

800-923-0641

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LEGAL TERMS

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.

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.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

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Addieville Collection Lawyer, Illinois, page 3

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Christopher Byron

Brian Kalb

William Asa

David John Gerber

David J. Gerber

David J. Gerber

Sharon Sigwerth Costa

Phillip Andrew Theis

John T. Hundley

Robert Emmett Shaw

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LEGAL TERMS

UNDUE HARDSHIP

IRS EXPENSES

CHAPTER 13 BANKRUPTCY

AUTOMATIC STAY

FORBEARANCE

REAFFIRMATION

MEANS TEST

LIQUIDATING PARTNER

CREDIT REPORT

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