Commercial Leasing in the Chicago Suburbs

Web Admin - Thursday, May 22, 2014

The suburban Chicago commercial leasing market has seen a slight recovery as compared to the depths of the recession, but the revival appears to be sluggish. According to Crain’s Chicago Business, the market currently has an overall vacancy of approximately 24.4 percent. That number is an improvement over the low point of the recession, 25.4 percent in 2010, but it is still a long way off from 2006, during which it fell below 20 percent.

Despite this merely modest improvement, there has actually been a noticeable increase in asking rents, up 12 percent to an average of $21.94. Some experts believe that this rise in asking price relates to the fact that most owners who were in danger of losing their properties have either recovered or gotten out of the market by now. This means that current landholders are more apt to sit and wait than they are to engage in a race to the bottom over prices as they had done in the past. Consequently, hiring an attorney to help negotiate the lease can be even more beneficial.

The Benefits of Involving an Attorney

Both first time lessees and experienced business owners can benefit from investing in a savvy real estate attorney during lease negotiations. Leases are legal documents just like any other contract, and just like many other contracts, they can be filled with dense legalese. Lawyers specialize in dissecting such complex provisions, so that the business owner can be sure they understand exactly what they are agreeing to.

Yet the attorney can add more value than simply translating the lease. Experienced real estate attorneys understand the sorts of provisions likely to appear in a lease. This means that getting an attorney involved early can help negotiations move along more smoothly. Often, business owners, especially those new to commercial leasing, sketch out broad strokes of the lease in negotiations, focusing on key points like price and size of the space. Then, once they feel they have reached a final agreement, the landlord provides the full lease, and the lessee discovers other provisions like janitorial services that the initial negotiations did not cover.

This necessitates reopening negotiations after it appeared that everything had been finalized. Involving a lawyer earlier in the process can prevent such problems from arising. Lawyers with experience negotiating commercial leases can help business owners see the full field of lease terms and allow them to negotiate with confidence.         

Whether you are just beginning to think about buying space or you already have a potential lease ready for review, reach out to an Illinois commercial real estate attorney today. Our experienced team can help analyze your lease and aid you in negotiating the most advantageous deal possible. We serve clients across the northwest suburbs, including in Arlington Heights, Long Grove, and Mount Prospect.

About the Author: Founding partner of Drost, Gilbert, Andrew & Apicella, LLC, Colin Gilbert, received his J.D. from Chicago-Kent College of law in 2005. Colin argues cases across many practice areas including criminal defense, collections, civil litigation, real estate law, and corporate law. Colin is an active member of the Board of Governors of the Northwest Suburban Bar Association and the Illinois Creditors Bar Association. He is currently Vice President of the Arlington Heights Chamber of Commerce, and is a Commissioner for the Village of Arlington Heights. Colin has a 10.0 Attorney rating on Avvo, and was named one of the 2014 “Top 40 Under 40” Trial Lawyers in Illinois by the National Trial Lawyers Association.

Home Sale Contingencies in Real Estate Contracts

Web Admin - Thursday, April 10, 2014

illinois real estate contingencies lawyerBuying a new home is a complicated task that requires a lot of pieces to fall into place in just the right way. For many people, one of these pieces is the ability to sell their current home. Often, people need to sell their old home first to make sure they have enough cash on hand to afford the new one. Of course, sometimes that is not feasible, and people will want to put an offer down on a new house before they have managed to sell their old one. When this happens, people can use a “home sale contingency” clause in their contract to purchase the new home. In short, a home sale contingency clause voids the contract for the sale of the new house in the event that the buyer is unable to sell their old one.

Types of Home Sale Contingencies

There are two broad types of home sale contingencies that lawyers can build into a contract: a “sale and closing contingency” and a “closing contingency.” The sale and closing contingency is used in the event that the buyer has yet to find a prospective buyer for their own home. Conversely, buyers use closing contingencies when they have a prospective buyer who has made an offer for their home, but the sale has not yet closed. In this instance, the contingency acts as an insurance policy against the sale of the buyer’s home falling through at the last minute. While these two types of clauses function in largely the same way, both of them voiding the sale of the new house if the old one does not sell, the sale and closing contingencies are more likely to include a “kick out” clause.

Kick out clauses are a right of first refusal. They allow the seller to keep searching for other buyers for the house. In the event that one of these other buyers makes an offer, then the seller must notify the first buyer. The first buyer then has some period of time to sell their house or else the seller is allowed to make the sale to the new buyer instead.

Factors to Consider When Using a Home Sale Contingency

Buyers should consider two things when deciding whether to ask for a home sale contingency: the effect it will have on the new home’s price and the other costs of purchasing a house. For the first point, home sale contingency clauses will likely drive the price of the new home up. The buyer is asking the seller to take the risk that the buyer’s old home will not sell, and the seller will likely want compensation for bearing that risk.

For the second point, buyers can still end up sinking other costs into the attempted purchase of the new home. They can end up paying for things like home inspections, appraisal fees, and the like, even before they have sold their old house. In the event that the buyer fails to sell their home, then they have wasted any money spent on such things.

If you are in the market for a new house, find an Illinois real estate attorney to help ensure that you receive strong, fair contracts. We serve towns all across northwest Chicago including Palatine, South Barrington, and Mount Prospect.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

A Beginner’s Guide to Applying for a Mortgage Loan

Web Admin - Thursday, February 20, 2014

illinois mortgage loan lawyerFor many first-time home buyers, the process of applying for a mortgage can seem complex. This guide will explain the basics of the process, such as the timeline for applying for a mortgage, the documents that applicants should procure and bring, and the credit score and down payment that applicants should expect.

The Mortgage Timeline

The mortgage process begins with a pre-approval application. The purpose of the preapproval process is to let the bank or lender look into the applicant’s finances, in order to make sure that they can afford a loan. This is when banks ask for most of the documentation. Often they want things such as:

- a list of addresses and landlords;
- a list of previous employers;
- pay-stubs from the previous one or two months, with a person’s year-to-date earnings included as well;
- the last two year’s W-2 forms;
- two months of bank statements for all accounts;
- a list of all debts not on the applicant’s credit report; and
- a list of all other real estate that the applicant already owns.

If the applicant has already found a house that they like, and their offer has been accepted, then the bank will also want the seller’s contact information and a copy of the contract. Being ready to provide these documents can help speed up the mortgage process.

Once a person goes through the pre-approval process and has made an offer on a house, the bank will order an appraisal on it. The appraiser will go through the house and determine the value, and then the bank will take their assessment into account when calculating how large a loan they can offer. Generally speaking, the bank will base their offer on either the appraisal value or the purchase price, depending on which is lower.

After the appraisal, the loan underwriter will look at all the documentation to make sure the loan is a good investment for the bank. From start to finish, the whole process usually takes about four to six weeks on the bank’s end, but timelines may vary, and asking the lender in the beginning may be a good idea.

Credit Scores and Down Payments

In addition to the array of documentation, lenders will also expect borrowers to have good credit scores and money available to make a down payment on the house. The rule of thumb for a conventional loan, according to U.S. News, is that a borrower would need a credit score of at least 650. Conventional loans also require, on average, a down payment of around 20 percent. Borrowers may have an alternative in the Fair Housing Act loan, which is a loan insured by the federal government. These loans offer a 3.5 percent down payment with a 580 credit score, and a 10 percent down payment with a 500 credit score.

If you are going through the process of buying a home, contact an Illinois real estate attorney today. Our team serves people in many northwest suburban areas including Inverness, Barrington and Long Grove.

About the Author: Attorney Jay Andrew is founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

Recent Changes to the Mortgage Process

Web Admin - Friday, January 24, 2014

By: Jay A. Andrew
(847) 934-6000

In the wake of the 2008 financial crisis, Congress created the Consumer Financial Protection Bureau (CFPB). The CFPB is an agency that Congress tasked with regulating companies in the financial sector, such as banks and hedge funds, to ensure that consumers do not find themselves treated unfairly by such institutions. To that end, the CFPB passed a qualified mortgage rule. This rule places certain restrictions on the types of loans that banks can authorize, but it also provides them some protection against consumer lawsuits.

In addition to creating the CFPB, Congress also responded to the financial crisis by passing The Mortgage Forgiveness Debt Relief Act (MFDRA). This Act had prevented people from being taxed on mortgage debt that banks forgave. However, the Act expired on December 31st, and Congress did not choose to extend it. This expiration impacts consumers dealing with foreclosures and short sales.

Qualified Mortgages

Qualified mortgages are a feature of the CFPB’s “ability-to-repay” rule, which requires lenders to verify a person’s income and other financial details to ensure that they can afford the mortgage they want. The CFPB put this regulation in place to stop banks from recklessly giving out mortgages without checking people’s financials. The rule also prohibits a variety of loan features that contributed to the 2008 crash, like interest only loans or terms lasting more than 30 years. If the bank complies with all of these requirements, they receive legal protection for the loan.

The law places different levels of protection depending on whether the loan was prime or subprime. Consumers will find it difficult to sue on prime loans if they meet the qualified mortgage requirements. But, if they have a subprime mortgage, they may still be able to show the court that the bank did not comply with the ability-to-repay requirements, which may help them in a lawsuit.

The Mortgage Forgiveness Debt Relief Act

Congress passed the MFDRA in order to help people struggling under mortgage debt during the financial crisis. The Act helped people who owed more money on their homes than the homes were worth by lowering their tax burden. Before the Act, if a bank forgave a person’s debt, the government would tax the person on the forgiven debt as if it were income. The Act put a stop to that for the purposes of some mortgage debt.

However, the Act expired at the end of 2013, and though some members of Congress of are still talking about renewing it, that has not happened, which means that the tax break no longer exists. Now, if a person has their mortgage debt forgiven as part of a foreclosure or short sale, they may end up owing taxes on the forgiven debt.

If you have questions about your mortgage, contact a Des Plaines real estate lawyer today. Call 847-934-6000 to reach out to our firm. We serve many northwest suburban areas including Arlington Heights, Deer Park, Barrington, Buffalo Grove, and other nearby communities.

Recent Posts


liens institutional trustee Illinois trucking safety Schaumburg criminal law attorney car crash Landlord Tenant Ordinance real estate lawyer civil litigation insurance dispute, insurance dispute lawyers, insurance claim denial, insurance claim delays, Rolling Meadows insurance dispute attorneys commercial leases Rolling Meadows litigation lawyer Detainer Actions license suspension insurance dispute digital media accounts, estate planning, Arlington Heights estate planning attorney, Illinois will lawyer Chicago estate planning lawyer Arlington Heights employment law attorneys Long Grove estate planning attorneys Inverness elder law lawyer employment law Fourth of July Buffalo Grove real estate attorney Retaliatory Discharge Palatine Attorney Illinois traffic attorneys consent to a search Buffalo Grove law firm pain and suffering distracted driving accident victims Palatine employment attorney loopholes Illinois pedestrian accident attorney accidental death benefits Crystal Lake insurance lawyer Home Sale Contingencies Palatine civil litigation lawyer Arlington Heights trucking lawyer DUI attorney Des Plaines Inverness civil lawyer swimming pools Mount Prospect real estate lawyer Employment Discrimination Law estate planning attorney Rolling Meadows insurance dispute lawyers DUI penalities Rolling Meadows personal injury attorney Illinois wills and trusts attorneys Legal Info Palatine civil attorney workplace sexual harassment Illinois pet lawyer hit and run accident Illinois Smoke Detector Act Barrington employment law firm traumatic brain injuries unpaid assessment Illinois motorcycle accident lawyer Barrington business law firm natural gas explosion living trust traffic accidents Crystal Lake injury attorney Rolling Meadows insurance attorney wrongful termination caretaker rights operating agreements fatal car accidents Deer Park medical malpractice attorney Crystal Lake car accident attorney Barrington employment attorney Chicago corporate attorney Barrington civil litigation attorney Illinois business lawyer car accidents Illinois personal injury Illinois real estate lawyer estate planning lawyer estate planning trusts Illinois traffic ticket lawyer Rolling Meadows car accident lawyers Buffalo Grove medical malpractice lawyers investment property LLCs Chicago employment attorney Home Remodeling Repair Act forming a corporation in Illinois Rolling Meadows traffic law firm traffic tickets creditors Riverwoods estate planning lawyer Crystal Lake will lawyer texting while driving boating accidents special needs trust commercial real estate Buffalo Grove personal injury lawyer Illinois construction accident attorney Des Plaines accident attorney dog bites preventable medical errors insurance denial appeals mass shooting personal injury lawyer icy parking lots Illinois insurance dispute lawyers Arlington Heights wills and trusts lawyer GM ignition switches insurance disputes Schaumburg Attorney insurance dispute attorney Illinois insurance claim dispute lawyer breathalyzer test texting and driving guardianship attorney probate process insurance claims Kenilworth estate planning lawyer employee discrimination compensatory time Illinois mortgages Illinois workers compensation attorney Arlington Heights Attorney food poisoning Palatine personal injury lawyer Illinois small business denial of life insurance Palatine traffic lawyer Rolling Meadows marijuana attorney Illinois insurance disputes IRA benefits fiduciary rule Rolling Meadows boating crash lawyer Schaumburg employment law attorneys license revocation Illinois Transfer on Death Instrument Palatine real estate lawyer Rolling Meadows traffic attorney Palatine punch death criminal record insurance negligence fault based insurance Chicago will attorney pet bites Palatine workers compensation lawyer unauthorized overtime Illinois collections attorney rollover accidents no contest clauses llinois Real Estate Lawyers Association Deer Park personal injury lawyer Buffalo Grove traffic lawyers Illinois registered agent Buffalo Grove personal injury attorney FMLA Palatine employment law lawyer Schaumburg wrongful death attorney Illinois driving without license Schaumburg personal injury lawyer insurance claim dispute Deer Park traffic lawyer Palatine injury attorney Chicago lawyer Federal Food Drug and Cosmetic Act business litigation Illinois traffic attorney Long Grove real estate lawyer trauma after an accident School Visitation Rights Act Illinois corporate lawyer Mount Prospect elder law attorney Des Plaines collections attorney deed transfer Schaumburg injury lawyer Super Mario Rolling Meadows DUI lawyer Illinois employment laws sole proprietorship real estate leasing Rolling Meadows insurance dispute lawyers, insurance dispute Illinois medical malpractice case auto accidents Barrington criminal defense lawyer insurance adjusters Exclusions real estate contract estate tax Des Plaines personal injury lawyer Deer Park workers compensation lawyer estate attorney healthcare claims Des Plaines personal injury attorney Rolling Meadows Arlington Heights Traffic Lawyer Palatine criminal defense lawyer natural gas probate lawyer Des Plaines Traffic Lawyer Barrington employment law attorney PTSD Barrington criminal lawyer Des Plaines real estate lawyer foreclosure Chicago trucking accident attorney Illinois insurance attorney Schaumburg criminal attorney Mt Prospect Attorney privacy Illinois trusts attorney construction accidents traffic deaths Arlington Heights insurance attorney real estate IRELA Crystal Lake tax lawyer meal breaks drug crime Des Plaines claims law firm Deer Park accident attorney product liability Buffalo Grove criminal defense lawyer digital evidence car collision Illinois employment lawyer Long Grove estate planning Crystal Lake bike accident lawyer Illinois Wage Payment and Collection Act Crystal Lake personal injury attorney Rolling Meadows criminal attorney living trust vs will Rolling Meadows Attorney Rolling Meadows personal injury lawyers Palatine construction attorney controlled substance Crystal Lake business law attorneys Des Plaines civil attorney in terrorem provision bicycle accidents pedestrian-automobile accident health insurance dispute employee misclassification Rolling Meadows real estate attorney modern family estate planning estate planning, digital assets, Revised Uniform Fiduciary Access to Digital Assets Act, Illinois digital assets, Illinois estate planning, personal injury law firm Crystal Lake law firm Illinois car accident attorney trust payments IRA trust transfer financial advisors Crystal Lake estate planning lawyer Arlington Heights personal injury attorney Des Plaines criminal attorney Rolling Meadows corporate lawyer Buffalo Grove injury lawyer Schaumburg insurance lawyers car accident lawyer brain injury wage theft living wills power of attorney irrevocable trust Illinois insurance lawyer Inverness injury lawyer dram shop law POA Attorney Ken Apicella sexual images condo association child safety problem employees insurance denials medical malpractice speeding vacation home fines whistleblower protections trucking accident lawyers car accident lawyers social media after death Kenilworth estate planning attorney Barrington personal injury lawyer disability benefits Schaumburg drug defense lawyer Barrington workers compensation attorney Schaumburg employment attorney work unions car crash injuries caregiver Crystal Lake pedestrian accident lawyer insurance claim dispute attorney Chicago traffic lawyer Schaumburg estate attorney Des Plaines drug crimes lawyer vacation home Inverness DUI lawyer Illinois workplace lawyer workers compensation benefits uninsured motorist South Barrington real estate attorney Illinois insurance claims lawyers Deer Park motorcycle accident lawyer Chicago insurance law firm Deer Park criminal attorney medical malpractice compensation federal regulations for LLCs Des Plaines pet law attorney Barrington estate planning lawyer Des Plaines injury law firm Illinois employee rights attorney. revenge porn Rolling Meadows insurance lawyer Arlington Heights wills and trusts lawyers Palatine insurance lawyer clemency DMV insurance disputes, Illinois insurance disputes, Illinois insurance dispute attorneys, denied insurance claims, Arlington Heights insurance dispute attorneys Chicago car accident lawyer Liquor Control Act Illinois insurance claim attorney digital assets, digital fiduciary, estate planning, digital content, Long Grove estate planning lawyers preventing accidents Des Plaines drug lawyer Palatine elder law attorney probate fees Illinois insurance agent negligence BAC independent contractor rollover car crashes Illinois defective products attorney Rolling Meadows drug defense attorney Schaumburg car accident attorney DGAA Buffalo Grove probate lawyer Inverness probate lawyer Barrington real estate lawyer denied insurance claim estate planning for college students ken apicella Barrington attorney healthcare Arlington Heights TBI attorney trusts medical malpractice, missed diagnosis, delayed diagnosis, medical mistake, Deer Creek medical malpractice lawyers Illinois lawyer Illinois jet ski accident lawyer Barrington Traffic Lawyer Illinois elder law attorney wills and trusts Crystal lake insurance dispute attorney changes to mortgage law Rolling Meadows business lawyer Palatine corporate attorney Rolling Meadows tax attorney Arlington Heights personal injury lawyer life insurance claims Policy Cancellation products liability Schaumburg personal injury lawyers Affordable Care Act digital assets Illinois injury lawyer insurance agents employee rights power of attorney for healthcare nursing home negligence Illinois bicycle safety Inverness estate planning lawyer insurance attorney Rolling Meadows employment law attorney boating DUI Barrington injury attorney Crystal Lake accident attorney Illinois civil litigation lawyer denied insurance claims Palatine trusts lawyer Family Medical Leave Act living trust benefits Whistleblower Claims Barrington litigation attorney pedestrian accident Arlington Heights medical malpractice lawyer Illinois employment law condo Long Grove real estate attorney life insurance policy minimum wage Joliet general practice lawyers commercial leasing attorney fees Crystal Lake employment lawyer Inverness real estate lawyer underage DUI Crystal Lake medical malpractice lawyer Palatine probate lawyer traffic crimes employment attorney Chicago will attorney, social media platforms, Illinois estate planning lawyer, Illinois probate lawyer overtime pay deadly crashes Barrington Illinois estate planning lawyer Chicago estate planning murder defense personal injury accidents rest breaks BAIID Inverness traffic law firm marijuana Crystal Lake car accident lawyer Schaumburg estate planning attorney Illinois living will employees Crystal Lake criminal defense attorney first degree murder workers comp traffic offenses Crystal Lake employment attorney Palatine traffic accidents drunk driving Rolling Meadows probate lawyer Kenilworth estate planning attorneys Arlington Heights car accident lawyer drug crimes Illinois law TBI expungement Colin Gilbert field sobriety test Rolling Meadows employment law attorneys Illinois personal injury lawyers Barrington medical malpractice lawyers Deer Park real estate law firm Illinois estate planning traffic laws estate planning Illinois traffic laws insurance claim gift tax exemption, estate planning, estate planning strategies, Illinois estate planning, South Barrington estate planning attorneys pregnant women car accident right to work Chicago employment lawyer college kids Illinois Sales Representative Act Palatine law firm Des Plaines personal injury lawyers estate plan bicycle dooring accidents elder abuse job lawyers Arlington Heights real estate lawyer FSLA Illinois workers compensation lawyer Schaumburg elder law lawyer hiring employees loss of consortium IRS foreclosed rental property Crystal Lake civil litigation lawyer personal injury claim wills Schaumburg probate attorney probate claims process Barrington drug crime attorney Des Plaines tax law firm Illinois attorney landlord tenant law medical marijuana Schaumburg Jay Andrew pedestrian accidents Arlington Heights employment attorney medical malpractice claims Rolling Meadows personal injury lawyer Barrington boating accident attorney workers compensation DUI severance agreements murder Rolling Meadows estate planning attorney crossover accidents DUI defense BUI eluding a police officer jet ski traffic violations underinsured motorist Illinois estate planning law firm sexual harassment boating under the influence Illinois workplace discrimination attorney Transfer on Death Instrument Illinois traffic accident lawyer breach of contract mortgage Palatine employment lawyer Illinois employment law firm Des Plaines medical malpractice attorney internet Schaumburg corporate attorney ACA Illinois job attorney blended families Rolling Meadows medical malpractice lawyers Illinois insurance claim dispute lawyers taxes Illinois Workers’ Compensation Commission suspended license Illinois red light cameras Arlington Heights lawyer traffic violations defense overtime violations underfunded trust comp time Buffalo Grove traffic attorney installment contracts Illinois real estate criminal privacy laws defective products ObamaCare Illinois estate planning attorney Inverness insurance attorney insurance claim denials surgical mistakes Arlington Heights tax lawyer liability Buffalo Grove corporate attorney appealing an insurance claim Illinois personal injury attorney Palatine estate planning lawyer spinal cord injury construction accidents, personal injury, wrongful death, Arlington Heights personal injury attorneys, workers' compensation pizza emoji Illinois medical malpractice claim Crystal Lake employment law attorney elder law car crashes personal injury residential real estate digital information Schaumburg construction accident lawyer wrongful death manufacturing spinal cord injuries blood alcohol content Crystal Lake personal injury lawyer rumble strips slip and fall accidents Des Plaines DUI attorney Illinois business law atorneys Arlington Heights injury attorney Rolling Meadows accident lawyer Long Grove estate planning attorney civil rights violation income distribution deducation Arlington Heights accident attorney Fair Labor Standards Act license reinstatement Illinois Probate Act of 1975 Illinois DUI attorney Arlington Heights car crash attorneys Deer Park DUI lawyer Schaumburg civil litigation attorney personal injury, auto accident injuries, delayed injuries, serious injuries, Des Plaines personal injury attorneys Forcible Entry Buffalo Grove insurance claim dispute lawyers hands free device dealing with problem employees dynasty trusts paid sick leave senior citizens Schaumburg personal injury attorney Arlington Heights estate planning attorney Chicago attorney Buffalo Grove employment lawyer real estate zoning South Barrington real estate lawyer Schaumburg medical malpractice lawyer cell phone tower data real estate closing life insurance Deer Park employment law attorney truck collisions Crystal Lake pet attorney liability claims Barrington estate planning attorney Illinois tax attorney back injuries premises liability estate planning, death tax, succession plans, business estate plans, Barrington estate planning lawyers Illinois wills and trusts life insurance lawyer rent to own real estate contracts drug possession employment contract, employment law, employment at-will, Deer Park employment law attorneys, contract, owner responsibility automated cars Arlington Heights pedestrian accidents criminal law anesthesia errors employment law, meal breaks, rest breaks, hotel employees, Des Plaines employment law attorneys Arlington Heights criminal lawyer Palatine drug lawyer probate employment law, Illinois employment laws probate claims motorcycle accident lawyer corporate law Schaumburg real estate lawyer trench injuries Illinois speeding lawyer Des Plaines motorcycle accident attorney Self-Directed IRA Accounts Illinois personal injury lawyer Schaumburg estate planning lawyer Chicago biking tips startup company Arlington Heights traffic attorney real estate attorneys holiday statistics bad faith insurance claims Illinois medical malpractice attorney tax attorney gift taxes Inverness accident lawyer wrongful termination, employment law, whistleblower protections, Illinois employment laws, discrimination in the workplace Des Plaines insurance attorney Inverness real estate attorney Illinois employment law attorney capital gains tax Illinois Human Rights Act Crystal Lake traffic attorney advance healthcare directive Palatine corporate law attorneys driving Illinois LLC creation civil litigation attorney traumatic brain injury Crystal Lake traffic lawyer Chicago insurance claim attorneys filing a medical malpractice claim Colin H. Gilbert Long Grove wills and trusts attorneys employment lawyer agent drugs head on collisions insurance claim delay Buffalo Grove car accident lawyer medication errors Illinois wrongful termination lawyer Illinois rollover accident lawyers Illinois medical malpractice lawyers Rolling Meadows Traffic Lawyer golf accidents landlord Schaumburg traffic lawyer Illinois boating accident lawyer slip and fall Class A misdemeanor cell phone personal injury attorney cell phone accidents federal crimes DNR Palatine business attorney employment contract unpaid overtime homestead rights low-ball insurance settlement real estate attorney Do Not Resuscitate fiduciary rule delay Rolling Meadows employment attorney bike accident involuntary manslaughter small business Food and Drug Administration's Food Safety Modernization Act motorcycle accident defective products lawyer murder charges Arlington Heights wills and trusts attorneys marijuana crimes attorney Des Plaines real estate attorney jet ski accidents personal injury claims pedestrian injuries, pedestrian fatality drunk driving statistics Crystal Lake medical malpractice law firm criminal defense trustee Inverness personal injury attorney Deer Park traffic accident attorney drug crimes lawyer Illinois employment attorneys license trucking accidents Illinois criminal defense attorney insurance claim denial Rolling Meadows criminal lawyer Inverness corporate attorney Arlington Heights wills and trusts attorney pet law medical research Illinois employment law attorneys Illinois home inspection CAM Thanksgiving Mount Prospect wills and trusts lawyers unfunded trust Barrington personal injury attorney reckless homicide Crystal Lake medical malpractice attorneys new real estate form home inspection lawyer distracted driving accidents