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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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Ronald D. Cummings

Real Estate, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

FREE CONSULTATION

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121 Springfield Avenue, Joliet, IL 60435

Timothy A. Clark

Litigation, Divorce & Family Law, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 119 Years

CONTACT

3180 Theodore St, Joliet, IL 60435

Michelle Mchugh Rowe

Real Estate, Divorce & Family Law, Transactions, Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

101 Grove St, Shorewood, IL 60404

Brian David Johnson

Social Security, Bankruptcy

Status: In Good Standing Licensed: 17 Years

CONTACT

1802 N Division St, Morris, IL 60450

John C. Renzi

Power of Attorney, Foreclosure, Health Care, Trusts, Bankruptcy & Debt

Status: In Good Standing

CONTACT

1861 Black Road, Joliet, IL 60435

Firas Abunada

Divorce & Family Law, Bankruptcy, Traffic, Foreclosure, Divorce

Status: In Good Standing

CONTACT

1861 Black Road, Joliet, IL 60435

Steven Plato Troy

Civil & Human Rights, Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

Channahon, IL 60410

Steven Troy

Collection

Status: In Good Standing Licensed: 47 Years

CONTACT

Channahon, IL 60410

Anthony Karl Tomkiewicz

Traffic, Criminal, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 26 Years

CONTACT

15314 Dan Patch Drive, Plainfield, IL 60544

Adriana Lara

Bankruptcy

Status: In Good Standing Licensed: 18 Years

CONTACT

2310 Birchwood Lane, Joliet, IL 60435

800-923-0641

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LEGAL TERMS

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.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

CREDIT FILE

See credit report.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

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.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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Minooka Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Ronald D. Cummings

Timothy A. Clark

Michelle Mchugh Rowe

Brian David Johnson

John C. Renzi

Firas Abunada

Steven Plato Troy

Steven Troy

Anthony Karl Tomkiewicz

Adriana Lara

TIPS

LEGAL TERMS

CREDIT COUNSELING

PRIORITY DEBT

CREDIT FILE

SUBROGATION

AUTOMATIC STAY

INTEREST

LIABILITY

BULK SALES LAW

FRATERNAL BENEFIT SOCIETY BENEFITS

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