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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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Judy A. Baker

Trusts, Child Custody, Adoption, Collection, Estate Planning

Status: In Good Standing Licensed: 32 Years

CONTACT

201 N. Logan, Gays, IL 61928

Walter Brooks Lookofsky

Estate Planning, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

111 E Main St, Shelbyville, IL 62565

Walter Lookofsky

Estate Planning, Divorce, DUI-DWI, Collection

Status: In Good Standing Licensed: 21 Years

CONTACT

111 E Main St, Shelbyville, IL 62565

Ernest Lee Waite

Traffic, Estate Planning, Bankruptcy, Personal Injury, Business

Status: In Good Standing Licensed: 24 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

Ernest Waite

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 24 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

William D Mcgrath

Divorce & Family Law, Criminal, Bankruptcy, Civil Rights

Status: In Good Standing Licensed: 43 Years

CONTACT

421 N. 19th Street, Mattoon, IL 61938

David Charles Nelson

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

1500 Broadway Avenue, Mattoon, IL 61938

Vernon Louis Plummer

Social Security, Divorce, Criminal, Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

404 N. Douglas, Shelbyville, IL 62565

Vernon Plummer

Social Security, Divorce, Criminal, Collection

Status: In Good Standing Licensed: 50 Years

CONTACT

404 N. Douglas, Shelbyville, IL 62565

Judy Baker

Collection, Estate, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

201 North Logan Street, Mattoon, IL 61938

800-923-0641

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LEGAL TERMS

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

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.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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Windsor Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Judy A. Baker

Walter Brooks Lookofsky

Walter Lookofsky

Ernest Lee Waite

Ernest Waite

William D Mcgrath

David Charles Nelson

Vernon Louis Plummer

Vernon Plummer

Judy Baker

TIPS

LEGAL TERMS

DISPOSABLE INCOME

S CORPORATION

CREDIT INSURANCE

TRADE NAME

LIABILITY

LIQUIDATING PARTNER

C CORPORATION

IRS EXPENSES

FAIR CREDIT REPORTING ACT (FCRA)

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