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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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William Hatch

Estate Planning, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 56 Years

CONTACT

100 N Chestnut St, Champaign, IL 61820

Jason Bartell

Bankruptcy & Debt, Commercial Bankruptcy, Business, Merger & Acquisition

Status: In Good Standing Licensed: 27 Years

CONTACT

10 East Main Street, Champaign, IL 61820

Joseph Chamley

Municipal, Estate Planning, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 30 Years

CONTACT

44 Main St, Champaign, IL 61820

Kyle Emkes

General Practice

Status: In Good Standing Licensed: 14 Years

CONTACT

2101 Windsor Pl, Champaign, IL 61820

Jamie Alyssa Propps

Traffic, Criminal, Merger & Acquisition, Collection

Status: In Good Standing Licensed: 19 Years

CONTACT

306 W Church St, Champaign, IL 61820

Bruce Warren

Workers' Compensation, Civil Rights, Insurance, Bankruptcy

Status: In Good Standing

CONTACT

30 Main Street, Champaign, IL 61824

Brett Kepley

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

302 N First St, Champaign, IL 61820

Guy Charles Hall

Tax, Health Care Other, Municipal, Collection

Status: In Good Standing Licensed: 41 Years

CONTACT

301 N Neil St, Champaign, IL 61820

Darren Taylor

Litigation, Corporate, Banking & Finance, Collection

Status: In Good Standing

CONTACT

201 west springfield ave, Champaign, IL 61820

Angela Vandeventer

Collection, Estate Planning

Status: In Good Standing Licensed: 17 Years

CONTACT

616 E Green St, Champaign, IL 61820

800-923-0641

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LEGAL TERMS

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.

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.

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.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

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.

LIQUIDATING PARTNER

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

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Gifford Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

William Hatch

Jason Bartell

Joseph Chamley

Kyle Emkes

Jamie Alyssa Propps

Bruce Warren

Brett Kepley

Guy Charles Hall

Darren Taylor

Angela Vandeventer

TIPS

LEGAL TERMS

COLLECTION AGENCY

GUARANTOR

NO-FAULT INSURANCE

CHAPTER 7 BANKRUPTCY

MEANS TEST

SOLE PROPRIETORSHIP

REDEMPTION

DEFINED CONTRIBUTION PLAN

LIQUIDATING PARTNER

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