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

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

Archive