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


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