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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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Deanna Lynne Aguinaga Walker

Estate, Estate Planning, Residential Real Estate, Bankruptcy & Debt, Wills & Probate

Geneva Estate Planning Lawyer

Deanna L. Aguinaga Walker is a well-versed attorney who concentrates her practice in the areas of estate planning, bankruptcy, residential real estate... (more)

FREE CONSULTATION

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331-222-7978

28 N. 1st St., Suite 101, Geneva, IL 60134

John E. Juergensmeyer

Corporate, Consumer Bankruptcy, DUI-DWI, Estate Planning

Status: In Good Standing

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1275 Davis Road, Elgin, IL 60123

Thomas Gosselin

Business Organization, Collection, Commercial Real Estate, Defamation & Slander

Status: In Good Standing

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2425 Royal Blvd, Elgin, IL 60123

Scott Richmond

Workers' Compensation, Civil Rights, Collection, Personal Injury

Status: In Good Standing

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2000 Mcdonald Rd, Elgin, IL 60177

Scott Gary Richmond

Workers' Compensation, Civil Rights, Collection, Personal Injury

Status: In Good Standing

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2000 Mcdonald Rd, Elgin, IL 60177

Scott Paul Larson

Workers' Compensation, DUI-DWI, Civil Rights, Collection

Status: In Good Standing Licensed: 30 Years

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200 W Main St, Saint Charles, IL 60174

Alisha Danielle Leuer-Arce

Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 17 Years

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116 N. Main Street, Elburn, IL 60119

Steve A. Olczyk

Bankruptcy, DUI-DWI, Traffic, Personal Injury, Criminal

Status: In Good Standing Licensed: 21 Years

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713 E Main St, Elburn, IL 60174

Steve Olczyk

Bankruptcy, DUI-DWI, Traffic, Personal Injury, Criminal

Status: In Good Standing Licensed: 21 Years

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713 E Main St, Elburn, IL 60174

Scott Sheen

Estate Planning, Workers' Compensation, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 32 Years

CONTACT

713 E Main St, Elburn, IL 60174

800-923-0641

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LEGAL TERMS

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.

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.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

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.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

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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Wasco Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Deanna Lynne Aguinaga Walker

John E. Juergensmeyer

Thomas Gosselin

Scott Richmond

Scott Gary Richmond

Scott Paul Larson

Alisha Danielle Leuer-Arce

Steve A. Olczyk

Steve Olczyk

Scott Sheen

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

IRS EXPENSES

GARNISHMENT

401(K) PLAN

MEETING OF CREDITORS

UNSECURED DEBT

SETOFF

SUBROGATION

DOING BUSINESS AS (DBA)

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