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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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Michael Berns

Real Estate, Intellectual Property, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

10665 E Kyte, Rochelle, IL 61068

Michael Andrew Berns

Real Estate, Intellectual Property, Business, Bankruptcy & Debt

Status: In Good Standing Licensed: 32 Years

CONTACT

10665 E Kyte, Rochelle, IL 61068

Paul Chadwick

Social Security, Estate Planning, Estate, Bankruptcy

Status: In Good Standing

CONTACT

420 Fourth Avenue, Rochelle, IL 61068

Paul Edward Chadwick

Government, Estate Planning, Estate, Collection

Status: In Good Standing

CONTACT

420 Fourth Avenue, Rochelle, IL 61068

Kathleen Ann Isley

Criminal, Adoption, Child Custody, Collection

Status: In Good Standing Licensed: 20 Years

CONTACT

1090 N Seventh St, Rochelle, IL 61068

David Tess

Traffic, Estate Planning, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 43 Years

CONTACT

1090 N Seventh St, Rochelle, IL 61068

David D. Tess

Criminal, Contract, Bankruptcy, Dental Malpractice, Personal Injury

Status: In Good Standing Licensed: 43 Years

CONTACT

1090 N Seventh St, Rochelle, IL 61068

Brent A Wagner

Real Estate, Estate, Civil Rights, Bankruptcy & Debt

Status: In Good Standing Licensed: 18 Years

CONTACT

1124 Lincoln Hwy, Rochelle, IL 61068

Dennis Hewitt

Commercial Real Estate, Municipal, Transactions, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

1124 Lincoln Hwy, Rochelle, IL 61068

Dennis Robert Hewitt

Commercial Real Estate, Municipal, Transactions, Bankruptcy

Status: In Good Standing Licensed: 41 Years

CONTACT

1124 Lincoln Hwy, Rochelle, IL 61068

800-923-0641

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LEGAL TERMS

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

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.

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.

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.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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.

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Ashton Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Michael Berns

Michael Andrew Berns

Paul Chadwick

Paul Edward Chadwick

Kathleen Ann Isley

David Tess

David D. Tess

Brent A Wagner

Dennis Hewitt

Dennis Robert Hewitt

TIPS

LEGAL TERMS

DISCHARGE (OF DEBTS)

SOLE PROPRIETORSHIP

CHAPTER 13 BANKRUPTCY

LIMITED PARTNERSHIP

TRUTH IN LENDING ACT (TILA)

GARNISHMENT

TOXIC TORT

CREDIT BUREAU

CREDIT COUNSELING

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