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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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Aaron Szeto

Municipal, Transactions, Collection, Bankruptcy

Status: In Good Standing

CONTACT

6833 Stalter Drive, Rockford, IL 61108

Aaron N. Szeto

Municipal, Transactions, Collection, Bankruptcy

Status: In Good Standing

CONTACT

6833 Stalter Drive, Rockford, IL 61108

Adam William Becker

Bankruptcy

Status: In Good Standing Licensed: 15 Years

CONTACT

475 Executive Parkway, Rockford, IL 61107

Adolfo Sanchez

Commercial Real Estate, Civil Rights, Business, Bankruptcy, Corporate

Status: In Good Standing Licensed: 17 Years

CONTACT

6833 Stalter Drive, Rockford, IL 61108

Brette E. Freedle

Litigation, Business, Collection, Products Liability

Status: In Good Standing

CONTACT

7210 E State St, Rockford, IL 61108

Daniel Alan Springer

Workers' Compensation, Employment, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

5301 E State St, Rockford, IL 61108

Darron Michael Burke

Litigation, Wills & Probate, Business & Trade, Bankruptcy

Status: In Good Standing

CONTACT

6833 Stalter Drive, Rockford, IL 61108

Dennis Mcdougall

Estate, Bankruptcy & Debt, Divorce & Family Law

Status: In Good Standing Licensed: 32 Years

CONTACT

475 Executive Parkway, Rockford, IL 61107

Douglas Robert Henry

Lawsuit & Dispute, Criminal, Credit & Debt, Property Damage

Status: In Good Standing

CONTACT

6833 Stalter Drive, Rockford, IL 61108

Eric Pratt

International Tax, Bankruptcy, Transactions

Status: In Good Standing Licensed: 32 Years

CONTACT

5411 East State Street, Rockford, IL 61108

800-923-0641

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LEGAL TERMS

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

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.

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.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

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.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

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.

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Cherry Valley Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Aaron Szeto

Aaron N. Szeto

Adam William Becker

Adolfo Sanchez

Brette E. Freedle

Daniel Alan Springer

Darron Michael Burke

Dennis Mcdougall

Douglas Robert Henry

Eric Pratt

TIPS

LEGAL TERMS

GRACE PERIOD

MEANS TEST

LIABILITY

TRADE NAME

REDEMPTION

BULK SALES LAW

ACCORD AND SATISFACTION

COSIGNER

CYBERSQUATTING

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