Elliott 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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2. Email
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Jonathan A. Backman

Dispute Resolution, Banking & Finance, Antitrust, Bankruptcy

Status: Licensed: 38 Years

CONTACT

117 N Center St, Bloomington, IL 61701

Michelle Mosby-Scott

Family Law, Divorce, Divorce & Family Law, Juvenile Law, Collection

Status: Licensed: 30 Years

CONTACT

210 1/2 N Williamsburg Dr, Bloomington, IL 61704

Andrew Kelly

Products Liability, Personal Injury, Medical Malpractice, Mesothelioma, Bankruptcy

Status:

CONTACT

207 E Washington Street, Bloomington, IL 61701

Kavita Uppal

Divorce, Criminal, Civil Rights, Collection

Status: Licensed: 29 Years

CONTACT

115 W Front St, Bloomington, IL 61701

Gary George Johnson

Divorce & Family Law, Criminal, Collection, Traffic

Status: Licensed: 52 Years

CONTACT

202 South Eldorado Road, Bloomington, IL 61704

Eitan Weltman

Landlord-Tenant, Transactions, Business & Trade, Collection

Status: Licensed: 46 Years

CONTACT

802 N Clinton St, Bloomington, IL 61701

Frank E. Hoffman

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

Status: Licensed: 46 Years

CONTACT

401 N Main Street, Bloomington, IL 61701

Michael Kenneth Blissenbach

Bankruptcy & Debt

Status: Licensed: 24 Years

CONTACT

201 West Olive, Bloomington, IL 61701

Jeffrey Thomas Abbott

Tax, Litigation, Business & Trade, Bankruptcy & Debt

Status: Licensed: 37 Years

CONTACT

201 West Olive Street, Bloomington, IL 61701

William Keith Davis

Medicare & Medicaid, Child Custody, Criminal, Bankruptcy & Debt

Status: Licensed: 42 Years

CONTACT

103 N Main St, Bloomington, IL 61701

800-814-6700

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LEGAL TERMS

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.

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemp... (more...)

In a bankruptcy proceeding, money collected through insurance, arbitration, mediation, settlement or a lawsuit to pay for exempt property that's no longer exemptible because it has been damaged or destroyed.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

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Elliott Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Jonathan A. Backman

Michelle Mosby-Scott

Andrew Kelly

Kavita Uppal

Gary George Johnson

Eitan Weltman

Frank E. Hoffman

Michael Kenneth Blissenbach

Jeffrey Thomas Abbott

William Keith Davis

TIPS

LEGAL TERMS

DEFINED CONTRIBUTION PLAN

CHAPTER 13 PLAN

COSIGNER

PROCEEDS FOR DAMAGED EXEMPT PROPERTY

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

INTEREST

FRAUDULENT TRANSFER

BANKRUPTCY TRUSTEE

WORKOUT

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