Macomb 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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Anthony Vaupel

Divorce & Family Law, Bankruptcy, Estate Planning, DUI-DWI

Status:

CONTACT

Galesburg, IL 61401

Brian Holland

International Tax, Divorce & Family Law, Civil Rights, Collection, Lawsuit & Dispute

Status: Licensed: 46 Years

CONTACT

397 W Main St, Bushnell, IL 61422

Carrie Magerl

General Practice

Status: Licensed: 18 Years

CONTACT

114 E 2nd St, Beardstown, IL 62618

Chad Mathew Long

Litigation, Trusts, Estate Planning, Collection

Status:

CONTACT

117 E Main St, Galesburg, IL 61401

Charles Laegeler

Contract, Family Law, Credit & Debt, Criminal

Status:

CONTACT

Rushville, IL 62681

Christopher Kanthak

Government, Criminal, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 45 Years

CONTACT

161 S. Cherry, Galesburg, IL 61401

Colby Graston Hathaway

General Practice

Status: Licensed: 13 Years

CONTACT

Oquawka, IL 61469

Colby Hathaway

Divorce & Family Law, Bankruptcy, Workers' Compensation

Status: Licensed: 13 Years

CONTACT

256 South Soangetaha Road, Galesburg, IL 61401

Cyril Butts

Bankruptcy

Status: Licensed: 46 Years

CONTACT

119 S Cherry St, Galesburg, IL 61401

D. Robert. Lindstrom

Banking & Finance, Bankruptcy, Business & Trade, Litigation

Status: Licensed: 51 Years

CONTACT

311 East Main Street, Galesburg, IL 61401

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.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

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).

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

Macomb Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Anthony Vaupel

Brian Holland

Carrie Magerl

Chad Mathew Long

Charles Laegeler

Christopher Kanthak

Colby Graston Hathaway

Colby Hathaway

Cyril Butts

D. Robert. Lindstrom

TIPS

LEGAL TERMS

MEANS TEST

PRESUMED ABUSE

ABUSE

FORBEARANCE

CREDIT REPORT

GARNISHMENT

CREDIT COUNSELING

HOUSEHOLDER

CREDITOR

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