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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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Thomas Laye

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Accident & Injury, Divorce & Family Law, Estate, Bankruptcy & Debt, Business

Thomas was born and raised in Cherry Valley, Illinois. He attended Western Illinois University where he received his Bachelor’s in Law Enforcement a... (more)

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815-962-0044

308 West State Street, Rockford, IL 61101

Stephen Langley

Estate Planning, Contract, Credit & Debt, Collection

Status: In Good Standing

CONTACT

308 West State St, Rockford, IL 61101

Gary Flanders

Bankruptcy & Debt, Commercial Bankruptcy, Consumer Bankruptcy, Bankruptcy

Status: In Good Standing Licensed: 44 Years

FREE CONSULTATION

CONTACT

One Court Place, Rockford, IL 61101

David Francis Monteleone

DUI-DWI, Civil Rights, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

George P. Hampilos

Child Support, Corporate, Business Organization, Bankruptcy, Estate Planning

Status: In Good Standing Licensed: 32 Years

CONTACT

308 W State St, Rockford, IL 61101

David Monteleone

DUI-DWI, Civil Rights, Collection, Medical Malpractice

Status: In Good Standing

CONTACT

308 W State St, Rockford, IL 61101

Lucinda Bugden

Traffic, Divorce & Family Law, Criminal, Bankruptcy

Status: In Good Standing Licensed: 33 Years

CONTACT

216 N Court St, Rockford, IL 61103

Dennis Lee Leahy

Immigration, State Appellate Practice, Social Security, Bankruptcy

Status: In Good Standing Licensed: 48 Years

CONTACT

One Court Pl, Rockford, IL 61101

David Martenson

Traffic, Divorce, DUI-DWI, Bankruptcy

Status: In Good Standing Licensed: 65 Years

CONTACT

1 Court Place, Rockford, IL 61101

David Louis Martenson

Traffic, Divorce, DUI-DWI, Bankruptcy

Status: In Good Standing Licensed: 65 Years

CONTACT

1 Court Place, Rockford, IL 61101

800-923-0641

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LEGAL TERMS

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

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.

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.

FCBA

See Fair Credit Billing Act.

REPOSSESSION

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and ... (more...)

A creditor's taking property that has been pledged as collateral for a loan. Lenders will most often repossess cars when the owner has missed loan payments and has not attempted to work with the lender to resolve the problem. A repossessor can't use force to get at your car, but he can legally hot-wire it and even drive it out of your unlocked garage.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

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.

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Winnebago Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Laye

Stephen Langley

Gary Flanders

David Francis Monteleone

George P. Hampilos

David Monteleone

Lucinda Bugden

Dennis Lee Leahy

David Martenson

David Louis Martenson

TIPS

LEGAL TERMS

CHAPTER 13 BANKRUPTCY

LOSS DAMAGE WAIVER (LDW)

AUTOMATIC STAY

S CORPORATION

FCBA

REPOSSESSION

UNDUE HARDSHIP

DEFINED CONTRIBUTION PLAN

REDEMPTION

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