Winslow 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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Thomas Laye

✓ VERIFIED

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)

FREE CONSULTATION

CONTACT

815-962-0044

308 West State Street, Rockford, IL 61101

Louis Adam Nack

Elder Law, Banking & Finance, Collection, Personal Injury, Insurance

Status: In Good Standing

CONTACT

151 N Main St, Elizabeth, IL 61028

Betsy Shaulis

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing Licensed: 18 Years

CONTACT

100 South Broad Street, Lanark, IL 61046

Ronald Joseph Leinen

Bankruptcy, International Tax, Litigation

Status: In Good Standing Licensed: 44 Years

CONTACT

122 1/2 N Main St, Galena, IL 61036

Louis Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 North Main Street, Galena, IL 61036

Joseph Nack

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

James Joseph Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Joseph Edward Nack

Civil Rights, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

James Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

Ronald Leinen

Bankruptcy, Consumer Rights, International Tax, Litigation, Civil Rights

Status: In Good Standing Licensed: 44 Years

CONTACT

11406 Us Rte 20 W, Galena, IL 61036

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.

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

FCBA

See Fair Credit Billing Act.

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.

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.

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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Winslow Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Laye

Louis Adam Nack

Betsy Shaulis

Ronald Joseph Leinen

Louis Nack

Joseph Nack

James Joseph Nack

Joseph Edward Nack

James Nack

Ronald Leinen

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LEGAL TERMS

IRS EXPENSES

CHAPTER 13 PLAN

PRESUMED ABUSE

CREDIT COUNSELING

LIEN

FCBA

DEFINED CONTRIBUTION PLAN

WORKOUT

CURRENT MONTHLY INCOME

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