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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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C. David Ward

Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

2756 Route 34, Oswego, IL 60543

Darrell Lee Jordan

Real Estate, Transactions, Business & Trade, Collection

Status: In Good Standing Licensed: 48 Years

CONTACT

1 N Constitution Dr, Aurora, IL 60506

John Peter Neuenkirchen

Real Estate, Lawsuit & Dispute, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 13 Years

CONTACT

1 N Constitution Dr, Aurora, IL 60506

Adam Richard Wirtz

Personal Injury, Criminal, Divorce & Family Law, Collection

Status: In Good Standing

CONTACT

1999 W. Downer Place, Aurora, IL 60506

Jonathan Blake Shanower

Landlord-Tenant, Litigation, Civil Rights, Collection

Status: In Good Standing

CONTACT

1999 W. Downer Place, Aurora, IL 60506

Adam Wirtz

Divorce & Family Law, Criminal, Personal Injury, Collection

Status: In Good Standing

CONTACT

1999 W. Downer Place, Aurora, IL 60506

Thomas St. Jules

Family Law, Criminal, Collection, Personal Injury

Status: In Good Standing

CONTACT

1999 West Downer Place, Aurora, IL 60506

James Charles James

Motor Vehicle, Divorce, Collection, Car Accident

Status: In Good Standing Licensed: 41 Years

CONTACT

1961 W Downer Pl, Aurora, IL 60506

James James

Other, Civil Rights, Banking & Finance, Collection

Status: In Good Standing Licensed: 41 Years

CONTACT

1961 W Downer Pl, Aurora, IL 60506

Michael W. Huseman

Bankruptcy & Debt, Litigation, Personal Injury, Landlord-Tenant, Condominiums

Status: In Good Standing

CONTACT

1999 West Downer Place, Aurora, IL 60506

800-923-0641

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LEGAL TERMS

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

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.

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.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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Millbrook Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

C. David Ward

Darrell Lee Jordan

John Peter Neuenkirchen

Adam Richard Wirtz

Jonathan Blake Shanower

Adam Wirtz

Thomas St. Jules

James Charles James

James James

Michael W. Huseman

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LEGAL TERMS

IRS EXPENSES

GRACE PERIOD

DEBIT CARD

FAIR CREDIT BILLING ACT (FCBA)

LIABILITY

SETOFF

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

UNSECURED DEBT

ABUSE

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