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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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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

Thomas Henry James

International, Estate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 36 Years

CONTACT

310 1St Ave Ave, Forreston, IL 61030

Anthony V. Coon

Government, Estate Planning, Criminal, Civil Rights, Bankruptcy

Status: In Good Standing Licensed: 25 Years

CONTACT

10 N Galena Ave, Freeport, IL 61032

Byron N. Sloan

General Practice

Status: In Good Standing Licensed: 33 Years

CONTACT

15 North Galena, Freeport, IL 61032

Mark Zaleski

Motor Vehicle, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

10 N Galena Ave, Freeport, IL 61032

Franklin Claude Cook

Immigration, Estate Planning, Estate, Transactions, Collection

Status: In Good Standing Licensed: 44 Years

CONTACT

773 W Lincoln Blvd, Freeport, IL 61032

Mark Edward Zaleski

Motor Vehicle, Divorce & Family Law, Criminal, Bankruptcy & Debt

Status: In Good Standing Licensed: 31 Years

CONTACT

10 N Galena Ave, Freeport, IL 61032

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

James Nack

Elder Law, Banking & Finance, Collection, Personal Injury

Status: In Good Standing

CONTACT

106 N Main St, Galena, IL 61036

800-923-0641

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LEGAL TERMS

FCBA

See Fair Credit Billing Act.

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.

LIQUIDATING PARTNER

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

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.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

SOLE PROPRIETORSHIP

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, m... (more...)

A business owned and managed by one person (or for tax purposes, a husband and wife). For IRS purposes, a sole proprietor and her business are one tax entity, meaning that business profits are reported and taxed on the owner's personal tax return. Setting up a sole proprietorship is cheap and easy since no legal formation documents need be filed with any governmental agency (although tax registration and other permit and license requirements may still apply). Once you file a fictitious name statement (assuming you don't use your own name) and obtain any required basic tax permits and business licenses, you'll be in business. The main downside of a sole proprietorship is that its owner is personally liable for all business debts.

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.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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Winslow Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Thomas Laye

Louis Adam Nack

Thomas Henry James

Anthony V. Coon

Byron N. Sloan

Mark Zaleski

Franklin Claude Cook

Mark Edward Zaleski

Ronald Leinen

James Nack

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LEGAL TERMS

FCBA

DOING BUSINESS AS (DBA)

LIQUIDATING PARTNER

UNDUE HARDSHIP

BULK SALES LAW

SOLE PROPRIETORSHIP

CHAPTER 13 BANKRUPTCY

GUARANTOR

SECURED DEBT

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