Stillman Valley Bankruptcy & Debt Lawyer, Illinois

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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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Thomas Laye

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Accident & Injury, Divorce & Family Law, Estate, Bankruptcy & Debt, Business

Thomas was born and raised in Cherry Valley, Illinois. He attended Western Illinois University where he received his Bachelor’s in Law Enforcement a... (more)

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CONTACT

815-962-0044

308 West State Street, Rockford, IL 61101

Gary Flanders

Bankruptcy & Debt, Commercial Bankruptcy, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 44 Years

FREE CONSULTATION

CONTACT

One Court Place, Rockford, IL 61101

David Francis Monteleone

DUI-DWI, Civil Rights, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

George P. Hampilos

Child Support, Corporate, Business Organization, Bankruptcy, Estate Planning

Status: In Good Standing Licensed: 32 Years

CONTACT

308 W State St, Rockford, IL 61101

David Monteleone

DUI-DWI, Civil Rights, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

Thomas R. Jakeway

Banking & Finance, Corporate, Contract, Credit & Debt

Status: In Good Standing Licensed: 21 Years

CONTACT

400 West State Street, Rockford, IL 61101

Raymond Melton

Divorce & Family Law, Criminal, Corporate, Collection

Status: In Good Standing Licensed: 25 Years

CONTACT

308 W State St, Rockford, IL 61101

Stephen Langley

Estate Planning, Divorce, Collection, Personal Injury

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

Thomas Mark Fabiano

DUI-DWI, Civil Rights, Bankruptcy, Medical Malpractice

Status: In Good Standing Licensed: 32 Years

CONTACT

321 W State St, Rockford, IL 61101

Thomas Fabiano

DUI-DWI, Civil Rights, Bankruptcy, Medical Malpractice

Status: In Good Standing Licensed: 32 Years

CONTACT

321 W State St, Rockford, IL 61101

800-923-0641

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LEGAL TERMS

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

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.

COLLATERAL

Property that guarantees payment of a secured debt.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

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.

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.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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Stillman Valley Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Laye

Gary Flanders

David Francis Monteleone

George P. Hampilos

David Monteleone

Thomas R. Jakeway

Raymond Melton

Stephen Langley

Thomas Mark Fabiano

Thomas Fabiano

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LEGAL TERMS

BANKRUPTCY TRUSTEE

DOING BUSINESS AS (DBA)

IRS EXPENSES

COLLATERAL

TRUTH IN LENDING ACT (TILA)

CHAPTER 13 BANKRUPTCY

FORBEARANCE

BULK SALES LAW

PRESUMED ABUSE

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