Steeleville 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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Carla Ehlers

Bankruptcy, Divorce, Estate Planning, Transactions

Status: In Good Standing Licensed: 39 Years

CONTACT

9153 Ll Road, Red Bud, IL 62278

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

Dana Sue Frazier

Real Estate, Government, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 27 Years

CONTACT

Murphysboro, IL 62966

Rex Gordon Burke

Other, Family Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 49 Years

CONTACT

907 Chestnut St, Murphysboro, IL 62966

Dana Frazier

Real Estate, Government, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 28 Years

CONTACT

Murphysboro, IL 62966

Shannon Cook

Bankruptcy

Status: In Good Standing Licensed: 19 Years

CONTACT

402 N Clinton St, New Athens, IL 62264

Jay B. Howd

Collection, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

811 W Main St, Carbondale, IL 62901

Rebecca Ann Whittington

Government, Estate Planning, Elder Law, Civil Rights, Collection

Status: In Good Standing Licensed: 42 Years

CONTACT

930 West Walnut St, Carbondale, IL 62901

Michael Twomey

Mediation, Banking & Finance, Credit & Debt, Collection

Status: In Good Standing

CONTACT

100 N Illinois Ave, Carbondale, IL 62902

Sarah Jeanne Taylor

Eminent Domain, Estate Planning, Civil Rights, Credit & Debt

Status: In Good Standing

CONTACT

100 N Illinois Ave, Carbondale, IL 62901

800-923-0641

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LEGAL TERMS

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.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

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.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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Steeleville Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Carla Ehlers

Carla J. Ehlers

Dana Sue Frazier

Rex Gordon Burke

Dana Frazier

Shannon Cook

Jay B. Howd

Rebecca Ann Whittington

Michael Twomey

Sarah Jeanne Taylor

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LEGAL TERMS

COSIGNER

DISCHARGEABLE DEBTS

CHAPTER 13 PLAN

FRATERNAL BENEFIT SOCIETY BENEFITS

BANKRUPTCY

NONEXEMPT PROPERTY

WORKOUT

GRACE PERIOD

CURRENT MONTHLY INCOME

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