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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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John Edgar Longwell

Real Estate, Bankruptcy, Family Law

Status: Licensed: 40 Years

CONTACT

1000 Northwood Drive, Effingham, IL 62401

Ronald Edward Fuhr

Litigation, Banking & Finance, Collection, Bankruptcy

Status: Licensed: 42 Years

CONTACT

307 North 3Rd Street, Effingham, IL 62401

Holly Hotze Lynch

Federal Appellate Practice, Estate Planning, Child Custody, Collection, Family Law

Status: Licensed: 18 Years

CONTACT

215 North Fourth Street, Effingham, IL 62401

Kristen Flood

Estate Planning, Civil Rights, Insurance, Bankruptcy

Status: Licensed: 10 Years

CONTACT

122 E Washington Ave, Effingham, IL 62401

Tracy Berberich

Collection, Transactions, Municipal

Status: Licensed: 23 Years

CONTACT

122 East Washington Avenue, Effingham, IL 62401

Judy A. Baker

Trusts, Child Custody, Adoption, Collection, Estate Planning

Status: Licensed: 33 Years

CONTACT

201 N. Logan, Gays, IL 61928

Karen Fuqua

Criminal, Bankruptcy

Status: Licensed: 45 Years

CONTACT

1617 Wabash Avenue, Mattoon, IL 61938

Ernest Waite

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy, Traffic

Status: Licensed: 25 Years

CONTACT

1500 Broadway Ave, Mattoon, IL 61938

David Charles Nelson

Divorce & Family Law, Criminal, Business & Trade, Bankruptcy

Status: Licensed: 53 Years

CONTACT

1500 Broadway Avenue, Mattoon, IL 61938

Jennifer Koebele

Pension & Benefits, Criminal, Elder Law, Bankruptcy

Status: Licensed: 14 Years

CONTACT

1101 Broadway Ave, Mattoon, IL 61938

800-814-6700

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LEGAL TERMS

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

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.

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.

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.

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.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

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.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

Sigel Bankruptcy & Debt Lawyer, Illinois

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

John Edgar Longwell

Ronald Edward Fuhr

Holly Hotze Lynch

Kristen Flood

Tracy Berberich

Judy A. Baker

Karen Fuqua

Ernest Waite

David Charles Nelson

Jennifer Koebele

TIPS

LEGAL TERMS

BULK SALES LAW

NONEXEMPT PROPERTY

HOUSEHOLDER

CREDIT INSURANCE

DEFINED CONTRIBUTION PLAN

CREDIT COUNSELING

BANKRUPTCY TRUSTEE

CURRENT MONTHLY INCOME

FAIR CREDIT BILLING ACT (FCBA)

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