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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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Joseph Pioletti

Divorce, Criminal, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 11 Years

CONTACT

107 E Eureka Ave, Eureka, IL 61530

Kelly Harms

Social Security -- Disability, Child Custody, Bankruptcy & Debt, Personal Injury

Status: In Good Standing Licensed: 46 Years

CONTACT

El Paso, IL 61738

Gail P. Petravick

Bankruptcy

Status: In Good Standing Licensed: 47 Years

CONTACT

1310 Kensington Dr, Washington, IL 61571

Terrence M. Pack

Litigation, Lawsuit & Dispute, Consumer Bankruptcy

Status: In Good Standing Licensed: 24 Years

CONTACT

1201 Hovey Ave, Merna, IL 61761

Jason Querciagrossa

Family Law, Business, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 11 Years

CONTACT

11 Uptown Circle, Merna, IL 61761

Jason J. Querciagrossa

Family Law, Business, Credit & Debt, Personal Injury

Status: In Good Standing Licensed: 11 Years

CONTACT

11 Uptown Circle, Merna, IL 61761

Andrew A. Honegger

Agriculture, Banking & Finance, Business, Bankruptcy

Status: In Good Standing Licensed: 30 Years

CONTACT

721 W Jackson St, Morton, IL 61550

Andrew A. Honegger

Agriculture, Banking & Finance, Business, Bankruptcy

Status: In Good Standing Licensed: 30 Years

CONTACT

721 W Jackson St, Morton, IL 61550

Andrew Stephen Newton

Bankruptcy

Status: Inactive Licensed: 9 Years

CONTACT

1002 S Linden St, Merna, IL 61761

Thomas Krieg

Collection, Estate Planning, Transactions, Estate

Status: In Good Standing Licensed: 44 Years

CONTACT

204 East Fernwood Street, Morton, IL 61550

800-923-0641

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

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.

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.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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.

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Congerville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Joseph Pioletti

Kelly Harms

Gail P. Petravick

Terrence M. Pack

Jason Querciagrossa

Jason J. Querciagrossa

Andrew A. Honegger

Andrew A. Honegger

Andrew Stephen Newton

Thomas Krieg

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LEGAL TERMS

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

REDEMPTION

ADMINISTRATIVE EXPENSES

FAIR LABOR STANDARDS ACT (FLSA)

DISPOSABLE INCOME

REAFFIRMATION

NONEXEMPT PROPERTY

TRUTH IN LENDING ACT (TILA)

DOING BUSINESS AS (DBA)

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