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

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

Archive