Le Roy 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
1. Contact
2. Email
3. Refer
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Sheila Vicars-duncan

Bankruptcy

Status: Licensed: 40 Years

CONTACT

1805 Hackberry Rd, Bloomington, IL 61704

Gary George Johnson

Divorce & Family Law, Criminal, Collection, Traffic

Status: Licensed: 52 Years

CONTACT

202 South Eldorado Road, Bloomington, IL 61704

Chad Ritchie

Collection, Business, Civil Rights, Environmental Law, Litigation

Status: Licensed: 23 Years

CONTACT

2203 E Empire St, Bloomington, IL 61704

Jonathan A. Backman

Dispute Resolution, Banking & Finance, Antitrust, Bankruptcy

Status: Licensed: 38 Years

CONTACT

117 N Center St, Bloomington, IL 61701

Eitan Weltman

Landlord-Tenant, Transactions, Business & Trade, Collection

Status: Licensed: 46 Years

CONTACT

802 N Clinton St, Bloomington, IL 61701

Carrie L. Haas

Litigation, Civil Rights, Banking & Finance, Collection

Status: Licensed: 22 Years

CONTACT

308 E Washington St, Bloomington, IL 61702

Robert Smith White

Landlord-Tenant, Divorce & Family Law, Insurance, Collection

Status: Licensed: 40 Years

CONTACT

308 E. Washington St., Bloomington, IL 61702

Frank E. Hoffman

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

Status: Licensed: 46 Years

CONTACT

401 N Main Street, Bloomington, IL 61701

Todd Roseberry

Divorce, DUI-DWI, Collection, Personal Injury

Status: Licensed: 27 Years

CONTACT

407 W Front St, Bloomington, IL 61701

Marlaina Strunk

Collection

Status: Licensed: 22 Years

CONTACT

211 Landmark Dr, Normal, IL 61761

800-814-6700

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LEGAL TERMS

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

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.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

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.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

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.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

LIQUIDATING PARTNER

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

Le Roy Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Sheila Vicars-duncan

Gary George Johnson

Chad Ritchie

Jonathan A. Backman

Eitan Weltman

Carrie L. Haas

Robert Smith White

Frank E. Hoffman

Todd Roseberry

Marlaina Strunk

TIPS

LEGAL TERMS

MEANS TEST

401(K) PLAN

CREDIT INSURANCE

PREFERENCE

LOSS DAMAGE WAIVER (LDW)

TRADE NAME

DOING BUSINESS AS (DBA)

S CORPORATION

LIQUIDATING PARTNER

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