DGAA bLAWg

10 Things Sellers Should Know About a Residential Real Estate Closing

Web Admin - Monday, June 18, 2018
Arlington Heights residential real estate lawyerSelling a home can be a stressful process, but once a buyer has made an offer and agreed to buy your house, the end of the process is in sight. However, there are still a variety of issues which may need to be resolved and matters which will need to be settled before the sale is complete. Here are 10 things you should take care of as you complete your residential real estate closing:

1. Address home inspection issues - The buyer will pay for a home inspection, which may uncover a variety of issues that they may ask you to correct or repair. You can preempt some of the issues by having your own home inspection completed prior to listing. This will give you an idea of the issues that may be raised later or minor issues that you can resolve prior to accepting an offer. Be sure to complete any agreed repairs prior to the date of closing and provide paid receipts to show that the required work has been done. 
2. Review the property survey - The standard Illinois contracts require the seller to provide the buyer with a survey of the property. If you have an existing survey, you should be sure to review this survey to make sure that the boundaries of the property are defined correctly and there are no issues that may arise with the new survey. Some buyers, especially in cash deals, will accept the existing survey, if no new improvements have been made. 
3. Get ready for the final walkthrough - Buyers will typically visit the home prior to closing to check the property and make sure repairs have been done. Be sure everything has been taken care of before this walkthrough and make sure no unexpected issues arise. If necessary, you may need to address issues the buyers find or negotiate a payment for problems they discover.
4. Review your settlement - Your closing documents will include a seller’s closing statement detailing the money being paid and received. Be sure to review this statement for accuracy including the payoff amounts of any of your loans or mortgages.
5. Bring documentation to closing - At closing, be sure to bring your photo ID, the paid receipts for repairs, and any information the buyer will need, such as codes to security systems.
6. Resolve last-minute details - If something is not in the same condition at walkthrough as it was when the offer was accepted, that item will need to be resolved at the closing table, or the closing may need to be postponed.
7. Be prepared to pay closing costs - You will typically be required to pay for certain items, such as commissions for real estate agents, outstanding property taxes or utility bills, and related fees, including title fees and attorney’s fees. Your realtor or attorney should inform you of the exact amount that you will need to pay at closing.
8. Transfer utilities - Utilities should be kept active until after the closing, at which point you can transfer service to the buyer.
9. Cancel homeowner’s insurance - Once closing is complete, you can cancel your homeowner’s insurance policy. You may receive a refund for any remaining months which you have already paid.
10. Keep your paperwork in a safe place - Be sure to keep all of the papers from the closing in a place where you can easily access them in case any questions or issues arise.

Contact a Riverwoods Residential Real Estate Attorney

If you have any questions about the processes followed during your home closing, or if you need an attorney’s assistance when selling your home, contact a Kenilworth real estate lawyer at Drost, Gilbert, Andrew & Apicella, LLC. Call our office at 847-934-6000 to schedule a consultation.

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.


Sources:
https://www.homelight.com/blog/closing-checklist/
https://www.zillow.com/sellers-guide/closing-on-house-for-seller/
https://www.realtor.com/advice/sell/what-to-expect-at-the-closing/

Chicago Landlord Tenant Ordinance

Web Admin - Friday, May 08, 2015

landlord tenant ordinance, Schaumburg real estate lawyerOver 60 percent of Chicago residents live in rental housing. As a result, the laws governing the landlord-tenant relationship are very important. The Chicago Landlord Tenant Ordinance governs a majority of the residential rental agreements within the city. The Ordinance places certain duties on both landlords and tenants.

What Does the Ordinance Do?

Generally, the Ordinance covers any rental units under written or oral leases. However, the Ordinance does not cover the following:

  • - Units in owner-occupied buildings that have less than six units;
  • - Units in hotels, motels, inns, or bed-and-breakfast establishments, unless rent is paid monthly and the unit is occupied by the tenant for more than 32 days;
  • - Dormitories or shelters; and
  • - Owner-occupied co-operatives.

The Ordinance requires that tenants abide by all of the obligations of the Municipal Code. Some of these duties include, but are not limited to, the following:

  • - Maintaining smoke and carbon monoxide detectors (for example, by ensuring that working batteries are in the detectors);
  • - Keeping the unit as safe as the conditions of the premises permits;
  • - Avoiding disturbing other tenants; and
  • - Not causing any damage to the unit.

Landlords are also placed under duties by the Ordinance. A landlord is required to maintain the property in compliance with the Municipal Code. This includes maintaining heating facilities, the structural integrity of the building, and the building’s plumbing system, among numerous other items.

Further, a landlord cannot require a tenant to renew a lease agreement more than 90 days before an existing agreement ends. Additionally, a landlord must provide a tenant with at least 30 days written notice if the rental agreement will not be renewed. If this required notice is not given, a tenant may remain in the unit for 60 days under the same terms and conditions as the last month of the existing agreement.

Remedies for Defects

If a property has a minor defect, a tenant’s first step to remedy the issue is to provide written notice to the landlord indicating that if the landlord does not correct the defect, the tenant will have the defect corrected at the landlord’s expense. The landlord has 14 days to correct the issue before the tenant can take action. The cost to correct the issue cannot be more than the greater of $500 or one half of the monthly rent. After 14 days, if the landlord has not taken corrective action, the tenant can have the repairs completed. The tenant can then submit to the landlord a paid bill and deduct the cost of the work from the rent.

For a material noncompliance to maintain the premises, a tenant may withhold rent in an amount that reasonably reflects a reduction in value of the premises as a result of that material noncompliance. This withholding of rent may continue for as long as the material noncompliance continues. However, the withholding can only begin after 14 days have passed since the landlord was given written notice of the condition.  

If you would like more information about the rights and obligations of the parties involved in a residential rental relationship, you should speak with an experienced Illinois real estate attorney today. Whether you are a landlord or tenant, Drost, Gilbert, Andrew & Apicella, LLC can help. Our office proudly represents clients in the Schaumburg, Palatine, and Long Grove areas, among many others. 

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.

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.

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

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

Archive