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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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Jill Marie Hays

Social Security, Workers' Compensation, Collection, Personal Injury

Status: In Good Standing Licensed: 50 Years

CONTACT

404 N. Douglas, Shelbyville, IL 62565

Vernon Plummer

Social Security, Divorce, Criminal, Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

404 N. Douglas, Shelbyville, IL 62565

Vernon Louis Plummer

Social Security, Divorce, Criminal, Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

404 N. Douglas, Shelbyville, IL 62565

Walter Lookofsky

Estate Planning, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

111 E Main St, Shelbyville, IL 62565

Walter Brooks Lookofsky

Estate Planning, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

111 E Main St, Shelbyville, IL 62565

Jarred Rahar

Collection, Child Custody, Divorce, Family Law

Status: In Good Standing

CONTACT

1011 North Webster Street, Taylorville, IL 62568

Holly Hotze Lynch

Federal Appellate Practice, Estate Planning, Child Custody, Collection

Status: In Good Standing Licensed: 17 Years

CONTACT

215 North Fourth Street, Effingham, IL 62401

Ronald Edward Fuhr

Litigation, Banking & Finance, Collection, Bankruptcy

Status: In Good Standing Licensed: 40 Years

CONTACT

307 North 3Rd Street, Effingham, IL 62401

Tracy Berberich

Collection, Transactions, Municipal

Status: In Good Standing Licensed: 22 Years

CONTACT

122 East Washington Avenue, Effingham, IL 62401

Judy A. Baker

Trusts, Child Custody, Adoption, Collection, Estate Planning

Status: In Good Standing Licensed: 32 Years

CONTACT

201 N. Logan, Gays, IL 61928

800-923-0641

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LEGAL TERMS

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.

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.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

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.

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.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

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.

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Oconee Collection Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jill Marie Hays

Vernon Plummer

Vernon Louis Plummer

Walter Lookofsky

Walter Brooks Lookofsky

Jarred Rahar

Holly Hotze Lynch

Ronald Edward Fuhr

Tracy Berberich

Judy A. Baker

TIPS

LEGAL TERMS

DOING BUSINESS AS (DBA)

MEANS TEST

TRUTH IN LENDING ACT (TILA)

CHAPTER 13 BANKRUPTCY

BULK SALES LAW

DISPOSABLE INCOME

SUBROGATION

UNDUE HARDSHIP

REAFFIRMATION

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