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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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Megan Heeg

Workers' Compensation, Divorce & Family Law, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

215 E First St, Dixon, IL 61021

Megan Gwenllean Heeg

Workers' Compensation, Civil Rights, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

215 E First St, Dixon, IL 61021

Douglas Edwin Lee

Sexual Harassment, Contract, Collection, Defamation & Slander

Status: In Good Standing Licensed: 36 Years

CONTACT

309 S Galena Ave, Dixon, IL 61021

Henry Sherwood Dixon

Adoption, DUI-DWI, Contract, Bankruptcy

Status: In Good Standing Licensed: 61 Years

CONTACT

1952 Hidden Shores Dr, Dixon, IL 61021

Michael Carl Downey

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

Status: In Good Standing Licensed: 41 Years

CONTACT

420 W 2D St, Dixon, IL 61021

James Maurice Allen

Commercial Real Estate, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 56 Years

CONTACT

Dixon, IL 61021

James Matthew Allen

Commercial Real Estate, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 56 Years

CONTACT

Dixon, IL 61021

Kelly L. Flessner

Real Estate, Estate, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 11 Years

CONTACT

114 E Everett St., Dixon, IL 61021

Courtney Kennedy

Commercial Real Estate, Estate Planning, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 8 Years

CONTACT

114 E Everett St, Dixon, IL 61021

Thomas Henry James

International, Estate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

310 1St Ave Ave, Forreston, IL 61030

800-923-0641

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LEGAL TERMS

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.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

FCRA

See Fair Credit Reporting Act.

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.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

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.

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Franklin Grove Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Megan Heeg

Megan Gwenllean Heeg

Douglas Edwin Lee

Henry Sherwood Dixon

Michael Carl Downey

James Maurice Allen

James Matthew Allen

Kelly L. Flessner

Courtney Kennedy

Thomas Henry James

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LEGAL TERMS

CREDIT BUREAU

CHAPTER 13 BANKRUPTCY

SETOFF

401(K) PLAN

LIEN

FCRA

REPOSSESSION

BULK SALES LAW

IRS EXPENSES

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