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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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David Hernandez

✓ VERIFIED

Bankruptcy & Debt, Estate, Real Estate, Workers' Compensation

Meet David Hernandez, a dedicated and experienced bankruptcy lawyer based in the bustling city of Chicago, IL. With a passion for helping individuals ... (more)

CONTACT

773-466-2000

3478 South Archer Ave, Chicago, IL 60608

Ronald Paul Strojny

Criminal, Federal Appellate Practice, Bankruptcy, Real Estate

Status: In Good Standing Licensed: 51 Years

CONTACT

5839 W 35Th St, Cicero, IL 60804

Marlin E. Kirby

Bankruptcy & Debt, Business, Commercial Real Estate, Immigration

Status: In Good Standing Licensed: 35 Years

CONTACT

675 Lake Street, Oak Park, IL 60301

David Koch

DUI-DWI, Estate Planning, Divorce, Bankruptcy, Dispute Resolution

Status: In Good Standing

CONTACT

5947 West 35Th Street, Cicero, IL 60804

David Owen Koch

DUI-DWI, Estate Planning, Divorce, Bankruptcy, Dispute Resolution

Status: In Good Standing

CONTACT

5947 West 35Th Street, Cicero, IL 60804

Craig Smith

Commercial Real Estate, Litigation, Civil Rights, Collection

Status: In Good Standing Licensed: 28 Years

CONTACT

1011 Lake St, Oak Park, IL 60301

Francis Edward Stepnowski

Employee Rights, Civil Rights, Insurance, Bankruptcy

Status: In Good Standing Licensed: 40 Years

CONTACT

1515 N Harlem Ave, Oak Park, IL 60302

Michelle Diane Orton Loftus

Commercial Real Estate, Wills & Probate, Transactions, Bankruptcy

Status: In Good Standing Licensed: 28 Years

CONTACT

311 South Blvd., Oak Park, IL 60302

Lawrence Drumm

Litigation, Business, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 29 Years

CONTACT

177 N. Humphrey Ave., Oak Park, IL 60302

Elizabeth C. Simon

Employee Rights, Civil Rights, Credit & Debt, Household Mold

Status: In Good Standing Licensed: 41 Years

CONTACT

234 Franklin Ave, River Forest, IL 60305

800-923-0641

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LEGAL TERMS

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

TRADE NAME

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

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.

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.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

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Cicero Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

David Hernandez

Ronald Paul Strojny

Marlin E. Kirby

David Koch

David Owen Koch

Craig Smith

Francis Edward Stepnowski

Michelle Diane Orton Loftus

Lawrence Drumm

Elizabeth C. Simon

TIPS

LEGAL TERMS

SETOFF

TRADE NAME

DISPOSABLE INCOME

MEANS TEST

WINDING UP

CREDIT REPORT

FRAUDULENT TRANSFER

GRACE PERIOD

SECRET WARRANTY PROGRAM

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