DGAA bLAWg

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
jaa@dgaalaw.com
http://www.dgaalaw/jay-andrew.html
(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


Tags

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

Archive