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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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Ronald Edward Fuhr

Litigation, Banking & Finance, Collection, Bankruptcy

Status: Licensed: 41 Years

CONTACT

307 North 3Rd Street, Effingham, IL 62401

Tracy Berberich

Collection, Transactions, Municipal

Status: Licensed: 22 Years

CONTACT

122 East Washington Avenue, Effingham, IL 62401

John Edgar Longwell

Real Estate, Bankruptcy, Family Law

Status: Licensed: 40 Years

CONTACT

1000 Northwood Drive, Effingham, IL 62401

Ernest Waite

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy, Traffic

Status: Licensed: 25 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

David Charles Nelson

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: Licensed: 53 Years

CONTACT

1500 Broadway Avenue, Mattoon, IL 61938

Roy Dent

Tax, Consumer Rights, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 27 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

Edward Willard Brankey

Bankruptcy, Immigration, Personal Injury, Workers' Compensation

Status: Licensed: 47 Years

CONTACT

622 Jackson Ave, Charleston, IL 61920

Kenneth Redman Gano

Patent, Estate, Family Law, Divorce, Bankruptcy

Status:

CONTACT

303 6Th Street, Charleston, IL 61920

William D Mcgrath

Divorce & Family Law, Criminal, Bankruptcy, Civil Rights

Status: Licensed: 43 Years

CONTACT

421 N. 19th Street, Mattoon, IL 61938

Judy Baker

Collection, Estate, Bankruptcy

Status: Licensed: 33 Years

CONTACT

201 North Logan Street, Mattoon, IL 61938

800-814-6700

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LEGAL TERMS

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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.

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.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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Jewett Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Ronald Edward Fuhr

Tracy Berberich

John Edgar Longwell

Ernest Waite

David Charles Nelson

Roy Dent

Edward Willard Brankey

Kenneth Redman Gano

William D Mcgrath

Judy Baker

TIPS

LEGAL TERMS

NONEXEMPT PROPERTY

UNDUE HARDSHIP

CURRENT MONTHLY INCOME

FCBA

DEFINED CONTRIBUTION PLAN

COLLECTION AGENCY

CREDITOR

MEETING OF CREDITORS

PREFERENCE

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