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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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James P Mullally

Family Law, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

19333 East Grant Highway, Marengo, IL 60152

Amy Sue Beckmann

Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

2670 Huntington Dr, Belvidere, IL 61008

Robert W Becker

General Practice

Status: In Good Standing Licensed: 49 Years

CONTACT

213 W Main St, Genoa, IL 60135

Robert Becker

Workers' Compensation, Administrative Law, Collection, Personal Injury

Status: In Good Standing Licensed: 49 Years

CONTACT

213 W Main St, Genoa, IL 60135

William Pulak

Landlord-Tenant, Divorce, Business, Collection

Status: In Good Standing Licensed: 33 Years

CONTACT

110 W Prairie St, Marengo, IL 60152

William Douglas Pulak

Landlord-Tenant, Divorce, Business, Collection

Status: In Good Standing Licensed: 33 Years

CONTACT

110 W Prairie St, Marengo, IL 60152

Pamela Sue Brunkalla

Other, Lawsuit & Dispute, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 32 Years

CONTACT

8015 S Hill Rd, Marengo, IL 60152

Richard Schmack

Real Estate, Traffic, Criminal, Bankruptcy & Debt

Status: In Good Standing

CONTACT

584 W State St, Sycamore, IL 60178

Riley Oncken

DUI-DWI, Civil Rights, Collection, Personal Injury

Status: In Good Standing Licensed: 20 Years

CONTACT

212 S Main St, Sycamore, IL 60178

Keri Slama

Real Estate, Lawsuit & Dispute, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 11 Years

CONTACT

437 W. State Street, Sycamore, IL 60178

800-923-0641

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LEGAL TERMS

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

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.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

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.

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.

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.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

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.

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Kingston Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

James P Mullally

Amy Sue Beckmann

Robert W Becker

Robert Becker

William Pulak

William Douglas Pulak

Pamela Sue Brunkalla

Richard Schmack

Riley Oncken

Keri Slama

TIPS

LEGAL TERMS

INTEREST

NONDISCHARGEABLE DEBTS

SUBROGATION

401(K) PLAN

GUARANTOR

REAFFIRMATION

PRESUMED ABUSE

LIMITED PARTNERSHIP

CHAPTER 13 PLAN

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