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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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Steve Beck

Bankruptcy, Divorce

Status: In Good Standing

FREE CONSULTATION

CONTACT

19250 Everett Lane, Mokena, IL 60448

Theresa Berkey

International Tax, Estate Planning, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 15 Years

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Laura Wardinski

Bankruptcy

Status: In Good Standing Licensed: 39 Years

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702 Pintail Drive, New Lenox, IL 60451

Mark W. Page

Industry Specialties, Corporate, Bankruptcy & Debt, Transactions

Status: In Good Standing Licensed: 40 Years

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11255 Patrick Court, Frankfort, IL 60423

David Siegel

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

Status: In Good Standing

FREE CONSULTATION

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54 N. Ottawa St., Joliet, IL 60432

Mona Elgindy

Elder Law, Civil Rights, Administrative Law, Bankruptcy

Status: In Good Standing Licensed: 15 Years

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116 N Chicago St, Joliet, IL 60432

Ronay Betouni

Landlord-Tenant, Trusts, Divorce, Collection

Status: In Good Standing Licensed: 8 Years

CONTACT

58 N Chicago St, Joliet, IL 60432

Robert Francis Wisniewski

Real Estate, Criminal, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 47 Years

CONTACT

71 N. Ottawa Street, Joliet, IL 60432

Thomas M. Britt

Real Estate, Estate, Family Law, Bankruptcy

Status: In Good Standing Licensed: 35 Years

CONTACT

18312 Distinctive Dr, Orland Park, IL 60467

James A. Hasier

Litigation, Banking & Finance, Bankruptcy & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

17634 Greenfield Court, Orland Park, IL 60467

800-923-0641

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LEGAL TERMS

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.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

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New Lenox Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Steve Beck

Theresa Berkey

Laura Wardinski

Mark W. Page

David Siegel

Mona Elgindy

Ronay Betouni

Robert Francis Wisniewski

Thomas M. Britt

James A. Hasier

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LEGAL TERMS

MEANS TEST

INTEREST

COLLECTION AGENCY

FDCPA

GARNISHMENT

S CORPORATION

FAIR LABOR STANDARDS ACT (FLSA)

DISPOSABLE INCOME

LIMITED PARTNERSHIP

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