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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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Ashley Darryl Dworsky

Visa, Immigration, State Appellate Practice, Child Support, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

95 Larkdale Rd, Deerfield, IL 60015

Cameron Reilly

International Tax, Collection

Status: In Good Standing Licensed: 46 Years

CONTACT

Highland Park, IL 60035

Constance Carey

General Practice

Status: In Good Standing Licensed: 49 Years

CONTACT

740 Constance Lane, Deerfield, IL 60015

Constance Conole Carey

General Practice

Status: In Good Standing Licensed: 49 Years

CONTACT

740 Constance Lane, Deerfield, IL 60015

David Bohrer

DUI-DWI, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 39 Years

CONTACT

900 Skokie Blvd, Northbrook, IL 60062

David Bohrer

DUI-DWI, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 39 Years

CONTACT

900 Skokie Blvd, Northbrook, IL 60062

David Moon

Health Care Other, Government, Civil & Human Rights, Collection

Status: In Good Standing Licensed: 29 Years

CONTACT

707 Lake Cook Road, Chicago, IL 60614

David Hancock Moon

Health Care Other, Government, Civil & Human Rights, Collection

Status: In Good Standing Licensed: 29 Years

CONTACT

707 Lake Cook Road, Chicago, IL 60614

David Jay Axelrod

Litigation, Divorce, Collection, Family Law

Status: In Good Standing Licensed: 45 Years

CONTACT

1448 Old Skokie Road, Highland Park, IL 60035

Haley Schechter

Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

3000 Lakeside Drive, Deerfield, IL 60015

800-923-0641

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LEGAL TERMS

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.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

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Highwood Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Ashley Darryl Dworsky

Cameron Reilly

Constance Carey

Constance Conole Carey

David Bohrer

David Bohrer

David Moon

David Hancock Moon

David Jay Axelrod

Haley Schechter

TIPS

LEGAL TERMS

PRESUMED ABUSE

WINDING UP

DOING BUSINESS AS (DBA)

GARNISHMENT

CHAPTER 7 BANKRUPTCY

PREFERENCE

NONEXEMPT PROPERTY

FAIR CREDIT BILLING ACT (FCBA)

GUARANTEED RESERVATION

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