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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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Charles W. Courtney

Estate Planning, Family Law, Contract, Bankruptcy

Status: In Good Standing Licensed: 38 Years

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104 S Charles St, Belleville, IL 62220

Charles Courtney

Traffic, Divorce, DUI-DWI, Bankruptcy

Status: In Good Standing Licensed: 38 Years

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104 S Charles St, Belleville, IL 62220

Don Cary Collins

Divorce & Family Law, Criminal, Bankruptcy, Personal Injury, DUI-DWI

Status: In Good Standing Licensed: 48 Years

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126 W Main St, Belleville, IL 62220

Alana Ines Mejias

Divorce, Elder Law, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 17 Years

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10 Public Square, Belleville, IL 62220

Alana Mejias

Divorce, Elder Law, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 17 Years

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10 Public Square, Belleville, IL 62220

Stanley Weller

Divorce & Family Law, Criminal, Transactions, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 37 Years

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One S Church St, Belleville, IL 62220

Brian David Flynn

Collection, Personal Injury, Family Law, Criminal, Commercial Real Estate

Status: In Good Standing Licensed: 14 Years

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300 W Main St, Belleville, IL 62220

Donald M. Samson

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 47 Years

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226 W Main Street, Belleville, IL 62220

Amy Oxley

Employee Rights, Insurance, International Intellectual Property, Credit & Debt

Status: In Good Standing Licensed: 13 Years

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525 W. Main St., Belleville, IL 62220

Carla J. Ehlers

Real Estate, Estate, Divorce & Family Law, Transactions, Bankruptcy

Status: In Good Standing Licensed: 38 Years

CONTACT

825 New Baldwin Road, New Athens, IL 62264

800-923-0641

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LEGAL TERMS

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.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

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.

FCBA

See Fair Credit Billing Act.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

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.

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Freeburg Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Charles W. Courtney

Charles Courtney

Don Cary Collins

Alana Ines Mejias

Alana Mejias

Stanley Weller

Brian David Flynn

Donald M. Samson

Amy Oxley

Carla J. Ehlers

TIPS

LEGAL TERMS

REDEMPTION

SOLE PROPRIETORSHIP

AUTOMATIC STAY

REAFFIRMATION

FCBA

PREFERENCE

DISCHARGE (OF DEBTS)

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

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