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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

Thomas Gosselin

Business Organization, Collection, Commercial Real Estate, Defamation & Slander

Status: In Good Standing

CONTACT

2425 Royal Blvd, Elgin, IL 60123

Michael J. Drabant

Wills & Probate, Trusts, Estate Planning, Collection

Status: In Good Standing Licensed: 15 Years

CONTACT

200 W. 22nd Street, Lombard, IL 60148

Paul Benjamin Fichter

Civil Rights, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 20 Years

CONTACT

450 E 22Nd St, Lombard, IL 60148

Paul Fichter

Civil Rights, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 20 Years

CONTACT

450 E 22Nd St, Lombard, IL 60148

Sharon Mulyk

Family Law, Divorce, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 24 Years

CONTACT

45 S Park Blvd, Glen Ellyn, IL 60137

Sharon Rita Mulyk

Family Law, Divorce, Divorce & Family Law, Collection

Status: In Good Standing Licensed: 24 Years

CONTACT

45 S Park Blvd, Glen Ellyn, IL 60137

David Barhydt

Landlord-Tenant, Government, Collection

Status: In Good Standing Licensed: 38 Years

CONTACT

2901 Butterfield Rd, Hinsdale, IL 60523

David Keith Barhydt

Landlord-Tenant, Government, Collection

Status: In Good Standing Licensed: 38 Years

CONTACT

2901 Butterfield Rd, Hinsdale, IL 60523

Donna Robinson

Collection

Status: In Good Standing Licensed: 40 Years

CONTACT

450 E 22nd St, Lombard, IL 60148

800-923-0641

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LEGAL TERMS

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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Fox Valley Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Raya D. Bogard

Thomas Gosselin

Michael J. Drabant

Paul Benjamin Fichter

Paul Fichter

Sharon Mulyk

Sharon Rita Mulyk

David Barhydt

David Keith Barhydt

Donna Robinson

TIPS

LEGAL TERMS

CURRENT MONTHLY INCOME

SUBROGATION

SECRET WARRANTY PROGRAM

CHAPTER 13 PLAN

SECURED DEBT

CREDIT COUNSELING

LOSS DAMAGE WAIVER (LDW)

CHAPTER 13 BANKRUPTCY

NONEXEMPT PROPERTY

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