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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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Sharanya Gururajan

Bankruptcy, Bankruptcy Litigation, Corporate, Federal Trial Practice

Status: In Good Standing

FREE CONSULTATION

CONTACT

420 W. Clayton Street, Waukegan, IL 60085

James J. Burns

Foreclosure, Real Estate, Workout, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

CONTACT

25 North County Street, Waukegan, IL 60085

David Siegel

Bankruptcy & Debt, Bankruptcy, Divorce & Family Law, Divorce

Status: In Good Standing

FREE CONSULTATION

CONTACT

2835 Belvidere Road, Waukegan, IL 60085

Jed Howard Stone

DUI-DWI, Criminal, Civil Rights, Banking & Finance, Collection

Status: In Good Standing

CONTACT

415 Washington Street, Waukegan, IL 60085

Daniel Sinclair

Business, Bankruptcy

Status: In Good Standing Licensed: 52 Years

CONTACT

4170 Old Grand Ave, Gurnee, IL 60031

Ronald Wayne Gilbert

Bankruptcy, Estate Planning

Status: In Good Standing Licensed: 48 Years

CONTACT

1321 Grand Ave, Waukegan, IL 60085

Matthew J. Stanton

Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

4949 Grand Ave, Gurnee, IL 60031

Rachel Strubbe Kane

Estate, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 12 Years

CONTACT

813 Washington St, Waukegan, IL 60085

Rachel Kane

Estate, Family Law, Divorce & Family Law, Bankruptcy

Status: In Good Standing Licensed: 12 Years

CONTACT

813 Washington St, Waukegan, IL 60085

James Carl Hartman

Criminal, Real Estate, Estate, Bankruptcy

Status: In Good Standing Licensed: 22 Years

CONTACT

One North County Street, Waukegan, IL 60085

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.

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.

WINDING UP

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, a... (more...)

The process of paying off expenses and creditors, settling accounts, and collecting and distributing (to shareholders and owners) whatever assets then remain, all with the ultimate goal of liquidating or closing down a corporation or partnership.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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.

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).

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.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

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Zion Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Sharanya Gururajan

James J. Burns

David Siegel

Jed Howard Stone

Daniel Sinclair

Ronald Wayne Gilbert

Matthew J. Stanton

Rachel Strubbe Kane

Rachel Kane

James Carl Hartman

TIPS

LEGAL TERMS

IRS EXPENSES

LIABILITY

WINDING UP

CREDIT REPORT

CREDIT BUREAU

401(K) PLAN

LIEN

SOLE PROPRIETORSHIP

DEBT COLLECTOR

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