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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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Jeffrey Alan Ryva

Motor Vehicle, Intellectual Property, Social Security, Bankruptcy

Status: In Good Standing

CONTACT

227 N.E Jefferson Avenue, Peoria, IL 61602

Jeffrey Ryva

Bankruptcy, International Intellectual Property, Intellectual Property

Status: In Good Standing Licensed: 45 Years

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227 N.E Jefferson Avenue, Peoria, IL 61602

Linn Perkins

Collection, Business, Bankruptcy

Status: In Good Standing

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456 Fulton St, Peoria, IL 61602

Leann Marie Niebuhr

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

Status: In Good Standing Licensed: 20 Years

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Peoria, IL 61612

Andrew Honegger

Banking & Finance, Bankruptcy, Business & Trade

Status: In Good Standing Licensed: 30 Years

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401 Main Street, Peoria, IL 61602

Sumner Bourne

Foreclosure, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

401 Main Street, Peoria, IL 61602

James Grebe

Estate Planning, Environmental Law Other, Transactions, Bankruptcy

Status: In Good Standing Licensed: 45 Years

CONTACT

401 Main St, Peoria, IL 61602

Stephen Michael Morris

Litigation, Divorce & Family Law, Collection, Personal Injury

Status: In Good Standing Licensed: 29 Years

CONTACT

456 Fulton Street, Peoria, IL 61602

Natalie D. Thompson

Bankruptcy, Business & Trade, Personal Injury, Disability

Status: In Good Standing Licensed: 15 Years

CONTACT

124 S.W. Adams Street, Peoria, IL 61602

Amira Lucia Vicari

Municipal, Family Law, Administrative Law, Collection

Status: In Good Standing

CONTACT

456 Fulton St, Peoria, IL 61602

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.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

CCCS

See Consumer Credit Counseling Service.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

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.

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.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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Metamora Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jeffrey Alan Ryva

Jeffrey Ryva

Linn Perkins

Leann Marie Niebuhr

Andrew Honegger

Sumner Bourne

James Grebe

Stephen Michael Morris

Natalie D. Thompson

Amira Lucia Vicari

TIPS

LEGAL TERMS

IRS EXPENSES

DEFINED CONTRIBUTION PLAN

S CORPORATION

CCCS

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

HOUSEHOLDER

FAIR CREDIT REPORTING ACT (FCRA)

COLLECTION AGENCY

NUISANCE FEES

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