Oak Park 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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Craig Smith

Commercial Real Estate, Litigation, Civil Rights, Collection

Status: Licensed: 29 Years

CONTACT

1011 Lake St, Oak Park, IL 60301

Francis Edward Stepnowski

Employee Rights, Civil Rights, Insurance, Bankruptcy

Status: Licensed: 41 Years

CONTACT

1515 N Harlem Ave, Oak Park, IL 60302

Elizabeth C. Simon

Employee Rights, Civil Rights, Credit & Debt, Household Mold

Status: Licensed: 42 Years

CONTACT

234 Franklin Ave, River Forest, IL 60305

Michelle Diane Orton Loftus

Commercial Real Estate, Wills & Probate, Transactions, Bankruptcy

Status: Licensed: 28 Years

CONTACT

311 South Blvd., Oak Park, IL 60302

Jeffrey Scott Harris

Real Estate, Litigation, Divorce & Family Law, Bankruptcy & Debt, Personal Injury

Status:

CONTACT

1701 S. First Ave, Maywood, IL 60153

Lawrence Drumm

Litigation, Business, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 29 Years

CONTACT

177 N. Humphrey Ave., Oak Park, IL 60302

George I. Sarolas

Family Law, Divorce, Transactions, Bankruptcy

Status: Licensed: 40 Years

CONTACT

7234 W North Ave, Elmwood Park, IL 60707

David Koch

DUI-DWI, Estate Planning, Divorce, Bankruptcy, Dispute Resolution

Status:

CONTACT

5947 West 35Th Street, Cicero, IL 60804

Julita Kocinski

Estate Planning, Divorce, Transactions, Bankruptcy

Status: Licensed: 23 Years

CONTACT

3311 North Harlem, Chicago, IL 60634

Gary Paul Mcfarling

Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status:

CONTACT

1701 S 1St Ave, Maywood, IL 60153

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 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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).

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

FCBA

See Fair Credit Billing Act.

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.

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Oak Park Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Craig Smith

Francis Edward Stepnowski

Elizabeth C. Simon

Michelle Diane Orton Loftus

Jeffrey Scott Harris

Lawrence Drumm

George I. Sarolas

David Koch

Julita Kocinski

Gary Paul Mcfarling

TIPS

LEGAL TERMS

DEFINED CONTRIBUTION PLAN

CHAPTER 13 BANKRUPTCY

SECURED DEBT

CREDIT REPORT

DISCHARGEABLE DEBTS

LIMITED PARTNERSHIP

GRACE PERIOD

FCBA

COLLECTION AGENCY

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