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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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Raya D. Bogard

Corporate, Business Successions, Business Organization, Collection

Status: In Good Standing

CONTACT

1001 Warrenville Road, Lisle, IL 60532

Stephen Sotelo

Estate Planning, Business, Collection, Personal Injury

Status: In Good Standing

CONTACT

200 E 5Th Ave, Naperville, IL 60563

Russel Greg Winick

Litigation, Civil Rights, Business & Trade, Collection

Status: In Good Standing

CONTACT

1220 Iroquois Avenue, Naperville, IL 60563

Joshua Brandon Rosenzweig

Divorce, Criminal, Collection, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

1804 N Naper Blvd, Naperville, IL 60563

Joshua Rosenzweig

Divorce, Criminal, Collection, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

1804 N Naper Blvd, Naperville, IL 60563

Bruce William Craig

Commercial Real Estate, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 41 Years

CONTACT

2043 Maplewood Cir, Naperville, IL 60563

Bruce Craig

Commercial Real Estate, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 41 Years

CONTACT

2043 Maplewood Cir, Naperville, IL 60563

Carmel R. Huseman

Commercial Real Estate, Transactions, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 19 Years

CONTACT

4320 Winfield Rd, Warrenville, IL 60555

Carmel Huseman

Collection, Transactions, Commercial Real Estate

Status: In Good Standing Licensed: 19 Years

CONTACT

4320 Winfield Rd, Warrenville, IL 60555

Heather L. Genck

Family Law, Corporate, Contract, Collection

Status: In Good Standing Licensed: 27 Years

CONTACT

1001 Warrenville Rd, Lisle, IL 60532

800-923-0641

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LEGAL TERMS

LIQUIDATING PARTNER

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

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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.

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Naperville Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Raya D. Bogard

Stephen Sotelo

Russel Greg Winick

Joshua Brandon Rosenzweig

Joshua Rosenzweig

Bruce William Craig

Bruce Craig

Carmel R. Huseman

Carmel Huseman

Heather L. Genck

TIPS

LEGAL TERMS

LIQUIDATING PARTNER

LOSS DAMAGE WAIVER (LDW)

CHAPTER 13 BANKRUPTCY

NO-FAULT INSURANCE

UNSECURED DEBT

DISPOSABLE INCOME

GUARANTOR

REAFFIRMATION

MEANS TEST

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