Considerations for Owning a Vacation Home

Web Admin - Monday, August 31, 2015

Illinois real estate lawyerWhen owning a vacation home, there are several issues that need to be considered, including estate planning, how the property will be owned, and potential tax implications. If you plan on purchasing a vacation home with a friend or a family member, deciding how the property will be owned is important. Ordinarily, this type of ownership is what is known as tenancy in common. Under a tenancy in common ownership, each owner is named on the deed, along with each owner’s respective ownership percentage.

An alternative is for all of the prospective owners to form a limited liability company (LLC) and have it purchase and own the home. While this does create the additional task of forming the LLC, the individual assets of each member of the LLC are protected. A disadvantage is that the individuals of the LLC cannot claim property tax or mortgage interest deductions.

Tax Issues

The capital gains tax applies to the portion of the proceeds (upon the sale of a home) that exceeds the purchase price of the property plus the cost of any improvements made. For most taxpayers, the tax rate for long-term capital gains is 15 percent. An important provision of the tax code is the primary residence exclusion to the capital gains tax. This exclusion allows for married couples to exclude up to $500,000 ($250,000 for single owners) in capital gains for the sale of a principal residence.

Critically, the home must have been the principal residence (where you and your spouse live) for two of the last five years. This period does not need to be consecutively; rather, the home must have been the principal residence for a total of 24 months out of the last five years. The primary residence exclusion can be used multiple times, but cannot be used more than once every two years.

In relation to vacation homes, ordinarily the primary residence exclusion cannot be used (as a vacation home is normally not the principal residence). However, if the vacation home is established as the principal residence (by satisfying the two out of the past five year rule), the exclusion can be used. This may be very beneficial if a vacation home significantly increased in value.  

Passing Home to Heirs

Often, owners of vacation homes desire to keep those homes within the family. As a result, this requires planning for how the home will be passed down. There are numerous different methods of leaving property to a beneficiary. Each of those methods has different advantages and disadvantages. It is important to keep in mind that the following only briefly describes just three of the methods for passing on property. For more detailed information about estate planning, you should speak with an attorney.

For example, property can be passed to children or other heirs upon the owner’s death. This creates a step-up in basis for the beneficiary, which is a large advantage should the beneficiary sell the property. It also allows for the owner to retain complete control until death. However, it is not a tax-friendly option for the owner.

Alternatively, an owner can give the property as an outright gift. Under this method, the owner transfers the property by deed to the beneficiary. This accomplishes an immediate transfer of ownership. However, the federal gift tax limits the amount that can be transferred. Additionally, the step-up in basis is lost.

Finally, one option that is becoming more popular is to place the property into a trust for named beneficiaries. Under this plan, the owner reserves the right to use the property for a specified period of time. After the trust term expires, the beneficiaries take ownership of the property, with significantly reduced, or eliminated, federal and state taxes. Critically, for this method to work, the person who formed the trust must out-live the trust term.

For more information about the ownership of a vacation home, reach out to an experienced Illinois real estate attorney today. Our firm proudly represents individuals throughout the northwest suburbs, including the communities of Inverness, South Barrington, Arlington Heights, Long Grove, Mount Prospect, Riverwoods, Schaumburg, and Kenilworth.

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.

Issues in Commercial Leases

Web Admin - Tuesday, April 07, 2015

commercial leases in Illinois, Inverness commercial real estate lawyerA key to the development of a successful business is finding the best possible location in which to set up your company. This is especially true when the nature of the company necessitates that the customer visit the business space. In order to obtain space, it is common for a company to enter into a commercial lease. Business owners should be aware of issues related to commercial leases when it comes time to negotiate and agree to the lease agreement.

What to Look for in Commercial Leases

A commercial lease is a contract between a business and a landlord for the rental of space in a building. Importantly, property is zoned for specific purposes, which may differ from what the landlord is advertising the space for or what the previous tenant used the space for. A property can be zoned for different types of uses, such as residential, commercial, or industrial. What the property is zoned for will determine the type of activities that can be conducted in the rental space. For example, the Schaumburg zoning ordinance divides the village into zones or districts and places restrictions on permitted uses within those designated areas. Therefore, a property owner should check with the local zoning authority to determine what the space is zoned for.

The length of a commercial lease is an important issue to resolve. For a business in its initial stages, the risk of failure is high. As a result, entering into a lengthy lease term is usually not advisable, particularly if the agreement contains an acceleration clause. An acceleration clause gives the landlord the ability to request the entire unpaid rental amount for the remainder of the lease term. A long lease term puts the company at the risk of being obligated to pay a substantial amount of money for space that it is no longer using.

For new businesses, negotiating for shorter lease terms with several renewal options can help address the possibility of the business failing. Another great option is to negotiate for an escape clause that frees the business from the rental agreement in the event the business fails. Alternatively, longer lease terms may be perfectly suitable for more established businesses. Longer lease terms can be helpful because the location of the rental space can provide value, particularly if customers frequently visit, as, for example, in the case of a restaurant or retail store.

Other Issues

Some other issues that should be addressed in the lease agreement include:

  1. 1. The right to place signs in and/or on the rental space;
  2. 2. Whether common areas or facilities (like restrooms) can be accessed by employees and customers; and
  3. 3. Whether parking areas can be used by employees and customers.

If these issues are not specifically addressed in the agreement, it is likely they will require the consent of the landlord, which may not be granted. Therefore, it is important to resolve these issues before entering the agreement.

It is important to keep in mind that these are only a few of the considerations when negotiating a commercial lease. If you are in the process of searching for commercial space, contact an experienced Illinois commercial real estate attorney today. Drost, Gilbert, Andrew & Apicella, LLC represents clients in locations such as Inverness, Palatine, and Schaumburg.

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.

Consumer Financial Protection Bureau Makes Major Changes to Real Estate Closings

Web Admin - Thursday, March 26, 2015

Illinois real estate closing, Arlington Heights real estate attorneyA new rule goes into effect on August 1st that will make major changes in the way that real estate closings occur. The new rule was promulgated by the Consumer Financial Protection Bureau (CFPB) and is known as the TILA RESPA Integrated Disclosure Rule (TRID). The TRID Rule alters the way that financial disclosures work in the context of mortgages. Previously, lenders had to use four separate disclosure forms. They had to provide Good Faith Estimate and Truth in Lending Act (TILA) disclosure forms to loan applicants within three days of receiving the person's application. They also had to provide a Housing and Urban Development disclosure form and another TILA disclosure form three days prior to closing. The new rule combines these four documents into two: a loan estimate and a closing disclosure.

The Loan Estimate

The loan estimate acts as a combination of the Good Faith Estimate and the first TILA disclosure. Like the old documents, it still must be given to the loan application within three days of receiving the application. The loan estimate is a three-page document that includes a variety of information about the potential costs of the loan to the consumer. The first page includes general information such as the loan amount, the interest rate, and the payment schedule. The second page includes a detailed layout of the costs that the loan recipient will be responsible for at closing. The final page contains more miscellaneous information about the loan. This page includes things like metrics for comparing the loan with other offers, as well as other information such as late payment fees and appraisal rules.

The Closing Disclosure

The other new document created by the TRID rule is the closing disclosure, which combines the Housing and Urban Development settlement statement, along with the other TILA disclosure. Like its predecessor documents, the lender must still deliver the closing disclosure at least three days before the closing. The closing disclosure form is longer than the loan estimate form and contains more information. The first page of the disclosure is similar to the loan estimate form, and contains general information about the loan. The next page details the specific loan costs that the borrower is paying. The third page is an update to the closing costs from the loan estimate, highlighting any changes. The final two pages include other miscellaneous information about the loan, similar to what is on the final page of the loan estimate, but more expansive.

If you are looking to buy a house and want to make sure this high stakes transaction goes off like you are expecting, contact an experienced Illinois real estate attorney today. Our firm serves clients in northwest suburban towns like Arlington Heights, Long Grove, Rolling Meadows, and Barrington.

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.

New Realtor Form Contract Comes into Use

Web Admin - Thursday, August 14, 2014

IRELA new real estate formThe Illinois Real Estate Lawyers Association (“IRELA”), along with a variety of other real estate organizations, maintains a form contract for realtors and their clients to use when selling a home. The IRELA recently released their new version of this, known as the Multi-Board Residential Real Estate Contract version 6.0, and this new contract is now in use. The new version makes a variety of changes to the old 5.0 version, many of which are technical or procedurally based. However, the contract does have some new language of which buyers and sellers should be aware.

The contract now allows for more options when dealing with escrow during the closing. It also changes how professional inspections work, requiring sellers to request portions of inspection reports. The new contract also alters how the timeline for mortgage financing affects the seller’s ability to back out of the deal. Finally, the contract changes the seller's responsibilities as far as disclosing potential issues with the home. Importantly, these are just some of the changes made during the board's updating of the contract. It is important that you consult with a real estate attorney during any real estate transaction to make sure you understand the scope of the new contract.

Version 6.0 Changes

The new 6.0 version of the Multi-Board contract contains a variety of changes from the earlier 5.0 document. First, the 6.0 document contains a new paragraph regarding who holds on to the buyer's earnest money until the closing goes through. In the prior contract, options were only available for the buyer's broker or the seller's broker to manage that. Now, the contract allows for third parties, like title companies, to hold the money in escrow.

The new contract also modifies how buyers can void the contract after a failed inspection. The contract allows buyers to hire professional inspectors to check the house for problems like radon or insect infestations. If the inspectors discover such an issue, then the buyer has the option of voiding the sale contract. However, the new 6.0 version allows the seller to request the portion of the report that the buyer is using as grounds for cancellation.

The updated document also alters the timeline for the buyer to obtain mortgage financing. The old contract used to require a “firm written commitment” from the bank that financing would be forthcoming. However, banks seldom issue such statements quickly, so the new version merely requires the buyer to prove that they have submitted the loan for underwriting by a certain date, and that the bank has given them clearance to close by another date.

The contract also requires the seller to make a variety of representations to the buyer, such as stating that the home is not currently subject to a boundary line dispute. The new 6.0 version of the contract adds extra notification duties to the seller, forcing them to make all the same representations again at closing, which means that any changed circumstances would require an update.

Contact Our Real Estate Lawyers Today

If you are currently looking to buy a new house or another piece of property, contact an experienced Illinois real estate attorney today. At Drost, Gilbert, Andrew & Apicella, LLC, our team of skilled professionals counsels clients in towns all over the northwest suburbs, including in Arlington Heights, Long Grove, and South Barrington.

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.

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


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