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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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Cheralyn Elizabeth Kesler

Bankruptcy, Personal Injury, DUI-DWI, Divorce

Status: In Good Standing Licensed: 23 Years

CONTACT

101 W Tomaras Ave, Savoy, IL 61874

John F. Bramfeld

Federal Appellate Practice, Estate Planning, Collection, Bankruptcy

Status: In Good Standing Licensed: 47 Years

CONTACT

915 W. Springfield, Champaign, IL 61821

Joseph Chamley

Municipal, Estate Planning, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 30 Years

CONTACT

44 Main St, Champaign, IL 61820

Joseph Patrick Chamley

Municipal, Estate Planning, Banking & Finance, Bankruptcy

Status: In Good Standing Licensed: 30 Years

CONTACT

44 Main St, Champaign, IL 61820

Andrew Hatch

Divorce, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

100 N Chestnut St, Champaign, IL 61820

Andrew J. Hatch

Divorce, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 23 Years

CONTACT

100 N Chestnut St, Champaign, IL 61820

Guy Charles Hall

Tax, Health Care Other, Municipal, Collection

Status: In Good Standing Licensed: 41 Years

CONTACT

301 N Neil St, Champaign, IL 61820

Brett Alan Kepley

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

302 N First St, Champaign, IL 61820

Brett Kepley

Workers' Compensation, Insurance, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

302 N First St, Champaign, IL 61820

Mary Ann Midden

Student Rights, Commercial Banks, Credit & Debt, Collection

Status: In Good Standing Licensed: 46 Years

CONTACT

1401 W Green St, Urbana, IL 61801

800-923-0641

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LEGAL TERMS

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

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.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

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.

CYBERSQUATTING

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. T... (more...)

Buying a domain name that reflects the name of a business or famous person with the intent of selling the name back to the business or celebrity for a profit. The Anticybersquatting Consumer Protection Act of 1999 authorizes a cybersquatting victim to file a federal lawsuit to regain a domain name or sue for financial compensation. Under the act, registering, selling or using a domain name with the intent to profit from someone else's good name is considered cybersquatting. Victims of cybersquatting can also use the provisions of the Uniform Domain Name Dispute Resolution Policy adopted by ICANN, an international tribunal administering domain names. This international policy results in arbitration of the dispute, not litigation.

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.

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.

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Bement Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Cheralyn Elizabeth Kesler

John F. Bramfeld

Joseph Chamley

Joseph Patrick Chamley

Andrew Hatch

Andrew J. Hatch

Guy Charles Hall

Brett Alan Kepley

Brett Kepley

Mary Ann Midden

TIPS

LEGAL TERMS

UNDUE HARDSHIP

PRESUMED ABUSE

MEANS TEST

REAFFIRMATION

REPOSSESSION

CREDIT COUNSELING

CYBERSQUATTING

LIMITED PARTNERSHIP

SUBROGATION

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