Frankfort Bankruptcy & Debt Lawyer, Illinois

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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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Steve Beck

Bankruptcy, Divorce

Status: In Good Standing

FREE CONSULTATION

CONTACT

19250 Everett Lane, Mokena, IL 60448

Mark Varboncouer

Patent, Estate Planning, Bankruptcy, Personal Injury

Status: In Good Standing

CONTACT

8767 Laraway Rd, Frankfort, IL 60423

William E. Dutton

Collection, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

10325 W Lincoln Hwy, Frankfort, IL 60423

Barbara Jacobson Dutton

Collection, Bankruptcy

Status: In Good Standing Licensed: 40 Years

CONTACT

10325 W Lincoln Hwy, Frankfort, IL 60423

Thomas W. Toolis

Landlord-Tenant, Estate, Family Law, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing Licensed: 25 Years

CONTACT

10075 West Lincoln Highway, Frankfort, IL 60423

Barbara Dutton

Collection, Bankruptcy

Status: In Good Standing Licensed: 40 Years

CONTACT

10325 W Lincoln Hwy, Frankfort, IL 60423

Thomas Toolis

Bankruptcy, Consumer Rights, Estate

Status: In Good Standing Licensed: 25 Years

CONTACT

10075 West Lincoln Highway, Frankfort, IL 60423

William Dutton

Collection, Bankruptcy

Status: In Good Standing Licensed: 26 Years

CONTACT

10325 W Lincoln Hwy, Frankfort, IL 60423

Jeffrey Soufal

Business & Trade, Collection, Litigation, Estate Planning

Status: In Good Standing Licensed: 30 Years

CONTACT

9500 Bormet Dr, Mokena, IL 60448

Anna Stanley Kahriman

Bankruptcy, Transactions

Status: In Good Standing Licensed: 19 Years

CONTACT

10075 W Lincoln Hwy, Frankfort, IL 60423

800-923-0641

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LEGAL TERMS

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.

CREDIT FILE

See credit report.

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.

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.

FDCPA

See Fair Debt Collections & Practices Act.

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.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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.

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Frankfort Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Steve Beck

Mark Varboncouer

William E. Dutton

Barbara Jacobson Dutton

Thomas W. Toolis

Barbara Dutton

Thomas Toolis

William Dutton

Jeffrey Soufal

Anna Stanley Kahriman

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LEGAL TERMS

CHAPTER 13 BANKRUPTCY

CREDIT FILE

COSIGNER

DOING BUSINESS AS (DBA)

FDCPA

PRESUMED ABUSE

DISPOSABLE INCOME

FORBEARANCE

UNDUE HARDSHIP

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