Mount Morris Bankruptcy & Debt Lawyer, Illinois

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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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Thomas Laye

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Accident & Injury, Divorce & Family Law, Estate, Bankruptcy & Debt, Business

Thomas was born and raised in Cherry Valley, Illinois. He attended Western Illinois University where he received his Bachelor’s in Law Enforcement a... (more)

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CONTACT

815-962-0044

308 West State Street, Rockford, IL 61101

Henry Sherwood Dixon

Adoption, DUI-DWI, Contract, Bankruptcy

Status: In Good Standing Licensed: 61 Years

CONTACT

1952 Hidden Shores Dr, Dixon, IL 61021

Michael Carl Downey

Estate, Divorce & Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 40 Years

CONTACT

420 W 2D St, Dixon, IL 61021

James Maurice Allen

Commercial Real Estate, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 56 Years

CONTACT

Dixon, IL 61021

James Matthew Allen

Commercial Real Estate, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 56 Years

CONTACT

Dixon, IL 61021

Kelly L. Flessner

Real Estate, Estate, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 11 Years

CONTACT

114 E Everett St., Dixon, IL 61021

Courtney Kennedy

Commercial Real Estate, Estate Planning, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 8 Years

CONTACT

114 E Everett St, Dixon, IL 61021

Douglas Edwin Lee

Sexual Harassment, Contract, Collection, Defamation & Slander

Status: In Good Standing Licensed: 36 Years

CONTACT

309 S Galena Ave, Dixon, IL 61021

Megan Gwenllean Heeg

Workers' Compensation, Civil Rights, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

215 E First St, Dixon, IL 61021

Megan Heeg

Workers' Compensation, Divorce & Family Law, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

215 E First St, Dixon, IL 61021

800-923-0641

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LEGAL TERMS

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

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.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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.

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.

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Mount Morris Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Laye

Henry Sherwood Dixon

Michael Carl Downey

James Maurice Allen

James Matthew Allen

Kelly L. Flessner

Courtney Kennedy

Douglas Edwin Lee

Megan Gwenllean Heeg

Megan Heeg

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LEGAL TERMS

CHAPTER 13 PLAN

DISCHARGEABLE DEBTS

IRS EXPENSES

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

COLLECTION AGENCY

GUARANTEED RESERVATION

FAIR CREDIT REPORTING ACT (FCRA)

NO-FAULT INSURANCE

LIABILITY

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