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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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Joseph A. Duesterhaus

Litigation, Federal Appellate Practice, Corporate, Bankruptcy

Status: Licensed: 42 Years

CONTACT

625 Vermont St, Quincy, IL 62301

William Mccleery

Real Estate, Litigation, Corporate, Bankruptcy

Status: Licensed: 44 Years

CONTACT

525 Jersey St, Quincy, IL 62301

Amy Lannerd

Banking & Finance, Bankruptcy, Personal Injury, Workers' Compensation

Status: Licensed: 24 Years

CONTACT

435 Hampshire Street, Quincy, IL 62301

Saleem Bashir Mamdani

Divorce, Civil Rights, Transactions, Collection

Status: Licensed: 19 Years

CONTACT

435 Hampshire Street, Quincy, IL 62301

Saleem Mamdani

Divorce, Civil Rights, Transactions, Collection

Status: Licensed: 19 Years

CONTACT

435 Hampshire Street, Quincy, IL 62301

Davis Dempsey

Social Security, Workers' Compensation, Employment, Bankruptcy

Status: Licensed: 37 Years

CONTACT

236 N 6Th St, Quincy, IL 62301

Drew Templeton Erwin

Government, Workers' Compensation, Collection, Legal Malpractice

Status: Licensed: 34 Years

CONTACT

636 Hampshire St, Quincy, IL 62301

John R. Longlett

International Tax, Banking & Finance, Bankruptcy

Status: Licensed: 54 Years

CONTACT

525 Jersey, Quincy, IL 62301

John Longlett

International Tax, Banking & Finance, Bankruptcy

Status: Licensed: 54 Years

CONTACT

525 Jersey, Quincy, IL 62301

Dale Venvertloh

Collection

Status: Licensed: 51 Years

CONTACT

607 Vermont, Quincy, IL 62301

800-814-6700

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LEGAL TERMS

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

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.

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.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

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).

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

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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Liberty Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Joseph A. Duesterhaus

William Mccleery

Amy Lannerd

Saleem Bashir Mamdani

Saleem Mamdani

Davis Dempsey

Drew Templeton Erwin

John R. Longlett

John Longlett

Dale Venvertloh

TIPS

LEGAL TERMS

TRADE DRESS

DISPOSABLE INCOME

SOLE PROPRIETORSHIP

COLLECTION AGENCY

ABUSE

LIEN

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

MEANS TEST

PREFERENCE

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