Vienna Bankruptcy & Debt Lawyer, Illinois, page 2

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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 Alleman

Workers' Compensation, Bankruptcy, Divorce, Medical Malpractice

Status: Licensed: 35 Years

CONTACT

310 E Main Street, Carbondale, IL 62901

Angela Kochan

Business & Trade, Civil Rights, Collection, Estate Planning, Business

Status: Licensed: 27 Years

CONTACT

121 West Cherry Street, Herrin, IL 62948

Scott M. Hendricks

Income Tax, Corporate Tax, Gift Taxation, Bankruptcy

Status: Licensed: 42 Years

CONTACT

206 W College St, Carbondale, IL 62901

Pamela Hicks

Divorce & Family Law, Bankruptcy, Federal Appellate Practice, Medical Malpractice, Eminent Domain

Status: Licensed: 32 Years

CONTACT

310 East Main Street, Carbondale, IL 62901

Lyndon Willms

Bankruptcy & Debt, Reorganization, Bankruptcy

Status:

CONTACT

811 W. Main, Carbondale, IL 62901

Todd Patrick Bittle

Traffic, DUI-DWI, Civil Rights, Collection

Status: Licensed: 30 Years

CONTACT

317 E. Poplar Street, Harrisburg, IL 62946

Paul L. Myers

Social Security, Elder Law, Securities, Collection

Status: Licensed: 47 Years

CONTACT

1 S Main St, Harrisburg, IL 62946

Dana Frazier

Real Estate, Government, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 29 Years

CONTACT

Murphysboro, IL 62966

Peter Edward Popit

Commercial Real Estate, Transactions, Collection, Bankruptcy & Debt

Status: Licensed: 47 Years

CONTACT

105 N Main St, Benton, IL 62812

Richard O. Hart

Estate Planning, Elder Law, Business & Trade, Collection

Status: Licensed: 71 Years

CONTACT

602 W Public Sq, Benton, IL 62812

800-814-6700

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LEGAL TERMS

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

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.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

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 BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

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.

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.

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.

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Vienna Bankruptcy & Debt Lawyer, Illinois, page 2

Sponsored Law Firm

PMJ PLLC

SPONSORED LAWYERS

John Alleman

Angela Kochan

Scott M. Hendricks

Pamela Hicks

Lyndon Willms

Todd Patrick Bittle

Paul L. Myers

Dana Frazier

Peter Edward Popit

Richard O. Hart

TIPS

LEGAL TERMS

CHAPTER 13 PLAN

PRESUMED ABUSE

DISCHARGE (OF DEBTS)

FAIR CREDIT REPORTING ACT (FCRA)

GARNISHMENT

CREDIT BUREAU

LIMITED PARTNERSHIP

CREDIT INSURANCE

CURRENT MONTHLY INCOME

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