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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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Carl Ernest Kasten

Construction, Agriculture, Contract, Collection

Status: In Good Standing Licensed: 55 Years

CONTACT

130 E Main St, Carlinville, IL 62626

James C. Brandenburg

Motor Vehicle, Workers' Compensation, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 21 Years

CONTACT

128 S Broad St, Carlinville, IL 62626

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

Kristen N. Van Fossan

Bankruptcy, Family Law, Employee Rights, Civil Rights

Status: In Good Standing Licensed: 15 Years

CONTACT

215 South Emmett, Virden, IL 62690

Robert W. Dodd

Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 56 Years

CONTACT

142 E Dean St, Virden, IL 62690

William C Nichelson

Estate Planning, Family Law, Divorce, Bankruptcy

Status: In Good Standing Licensed: 29 Years

CONTACT

Virden, IL 62690

William Nichelson

Estate Planning, Family Law, Divorce, Bankruptcy

Status: In Good Standing Licensed: 29 Years

CONTACT

Virden, IL 62690

Colleen Mcsweeney Moore

Criminal, Bankruptcy, Estate Planning, Divorce & Family Law

Status: In Good Standing Licensed: 43 Years

CONTACT

Virden, IL 62690

Christopher B. Hantla

Child Support, Criminal, Contract, Bankruptcy

Status: In Good Standing Licensed: 25 Years

CONTACT

Litchfield, IL 62056

800-923-0641

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LEGAL TERMS

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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.

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Nilwood Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Carl Ernest Kasten

James C. Brandenburg

Thomas Day Denby

Thomas Denby

Kristen N. Van Fossan

Robert W. Dodd

William C Nichelson

William Nichelson

Colleen Mcsweeney Moore

Christopher B. Hantla

TIPS

LEGAL TERMS

GUARANTEED RESERVATION

MEETING OF CREDITORS

NO-FAULT INSURANCE

REDEMPTION

CURRENT MONTHLY INCOME

REAFFIRMATION

REPOSSESSION

SECRET WARRANTY PROGRAM

UNDUE HARDSHIP

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