Plainfield Bankruptcy & Debt Lawyer, Illinois, page 3

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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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Mark K. Wade

Family Law, Criminal, Bankruptcy, Traffic

Status: Licensed: 42 Years

CONTACT

209 Legrande Blvd, Aurora, IL 60506

Linda Marie Holzrichter

Estate Planning, Family Law, Divorce & Family Law, Bankruptcy

Status: Licensed: 34 Years

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16 S Locust St, Aurora, IL 60506

Daniel Lee Leadley

Child Support, Bankruptcy, Civil Rights, Collection, Personal Injury

Status: Licensed: 40 Years

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Aurora, IL 60507

Gary Shilts

Family Law, Divorce, Divorce & Family Law, Bankruptcy

Status: Licensed: 52 Years

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Aurora, IL 60507

Joseph Albert Kearney

Commercial Real Estate, Criminal, Transactions, Credit & Debt, Lawsuit & Dispute

Status: Licensed: 32 Years

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631 E Boughton Rd, Bolingbrook, IL 60440

Mark Bernachea

Tax, Employment, Bankruptcy

Status: Licensed: 12 Years

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2424 Plainfield Road, Crest Hill, IL 60403

Anthony Tomkiewicz

Traffic, Criminal, Licensing, Bankruptcy, Personal Injury

Status: Licensed: 26 Years

CONTACT

58 N Chicago St, Crest Hill, IL 60432

Ann Houha

Litigation, Divorce, Corporate, Bankruptcy

Status: Licensed: 24 Years

CONTACT

181 N Hammes Avenue, Crest Hill, IL 60435

Megan Marie Olson

Family Law, Divorce & Family Law, Bankruptcy

Status: Licensed: 12 Years

CONTACT

2801 Black Rd, Crest Hill, IL 60435

Gary K. Davidson

Commercial Real Estate, Construction, Criminal, Collection, Government Agencies

Status: Licensed: 27 Years

CONTACT

58 E Clinton St, Crest Hill, IL 60432

800-814-6700

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LEGAL TERMS

CREDITOR

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

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.

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.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

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.

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.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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Plainfield Bankruptcy & Debt Lawyer, Illinois, page 3

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

Mark K. Wade

Linda Marie Holzrichter

Daniel Lee Leadley

Gary Shilts

Joseph Albert Kearney

Mark Bernachea

Anthony Tomkiewicz

Ann Houha

Megan Marie Olson

Gary K. Davidson

TIPS

LEGAL TERMS

CREDITOR

CURRENT MONTHLY INCOME

MEANS TEST

SETOFF

GRACE PERIOD

DEFINED CONTRIBUTION PLAN

COSIGNER

FRATERNAL BENEFIT SOCIETY BENEFITS

IRS EXPENSES

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