DGAA bLAWg

Self-Directed IRA Accounts

Web Admin - Tuesday, June 14, 2016

self-directed IRA accounts, Illinois Estate Planning Attorneys

Often times, as real estate and estate planning attorneys, our clients ask us about owning or purchasing property through a self-directed IRA account. Here is a brief synopsis of how a self-directed IRA works.

Self-Directed Individual Retirement Accounts (IRA) are like traditional IRAs in that they are designed to allow investments to grow tax free or tax deferred over time. However, self-directed IRAs allow people to make alternative investments. The variety of investment options that are available for a self-directed IRA exceed the investment options of traditional IRA accounts.

How Do I Set Up A Self-Directed IRA Account? 

There are several steps involved in setting up a self-directed IRA account. 

1. The account must be established and funded. Like any IRA, you must sign up for the account with an investment firm or broker. The IRS requires that self-directed IRAs be held by a trustee on behalf of the IRA owner. Once you have signed up with a trustee or custodian, you will need to fund the account with initial capital so that you can make investments with your self-directed IRA account. The self-directed IRA account can be funded with new capital or a transfer from an existing IRA account. 

2. Choose an investment opportunity. You may choose what investment opportunity you would like your self-directed IRA funds to go into. There are many different types of assets that self directed IRAs can be used to invest in, yet there are also certain assets that specifically cannot be invested in by using a self-directed IRA. 

3. Request that the funds be made available from your self-directed IRA to make the investment purchase. Working with your self-directed IRA custodian or trustee, you can request that your self-directed IRA funds be made available to purchase your desired asset. The trustee or custodian will manage the transaction for you. 

4. Manage your self directed IRA investments. Again, by working with your self-directed IRA trustee or custodian, you can manage or sell your self-directed IRA investments. All transactions must be run through your self-directed IRA in order to remain in compliance with the IRS regulations. 

What Can I Own in My Self-Directed IRA Account? 

Self-directed IRAs can include investment options such as: 

- Stocks; 

- Bonds; 

- CDs; 

- Mutual funds; 

- Promissory notes; 

- Real estate; 

- Private mortgages; 

- Tax liens; 

- Precious metals; 

- Private businesses; and 

- Intellectual property. 

There are also several types of assets into which investment is not permitted with a self-directed IRA. Under IRS Code 408(m), prohibited investments include investment in collectibles such as stamps, art, gems, certain types of metals and coins, alcoholic beverages, and certain other tangible personal property. 

If you feel that a self-directed IRA may be helpful with your purchase of investment property or your estate plan, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our firm serves the communities of Crystal Lake, Riverwoods, Kenilworth, South Barrington, Mount Prospect, Palatine, Des Plaines, Buffalo Grove, Barrington, and Arlington Heights. Call 847-934-6000 to speak to a member of our team. 

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.



Source:
https://www.law.cornell.edu/uscode/text/26/408

Why Do I Need a Living Trust? Won't My Simple Will Work Just the Same?

Web Admin - Friday, May 20, 2016

Why I Need a Living Trust, Illinois Estate Planning Attorneys When people begin the process of estate planning, they often have several questions about what course of action would be in their best interest, or in the best interests of their surviving family members and loved ones. One frequently asked question asks what the difference is between a simple will and a living trust. 

Is one option a better choice than the other? 

The answer really depends on your particular situation. However, for most typical family situations, a good choice is to use a living trust to transfer your property upon your death. 

When you prepare a will as your sole means of transferring your property upon your death, your will must go through the probate court, which can be complicated and your surviving family members could end up fighting over your will once you are gone. However, using a revocable living trust, which you can prepare while you are still alive, can help your family avoid probate after you pass on. Individuals who are looking to exercise more control over their property may find that a living trust is a useful estate planning tool. One of the estate planning attorneys at our firm can help you prepare a declaration of trust at your convenience.

Five Advantages to Using a Living Trust Over a Will

Below are examples of the advantages of using a living trust over a will. 

1. Property transferred through a living trust will not go through probate. Probate is a long, tedious, and costly process before the probate court where the validity of the will is demonstrated, all debts held by the decedent are paid off, and then the remaining property is distributed to the family members. The more complicated the decedent’s estate is upon his or her death, the more complicated and drawn out probate can be. 

2. Out-of-state property transferred through a living trust can avoid ancillary probate. When property is located out of state, instead of having to go through probate in each state, a living trust can allow for the property of out-of-state property without ancillary, or out-of-state probate. 

3. Getting the opportunity to manage your property during your lifetime. By being the settlor of your own living trust, you retain control over the trust until you decide that you want to hand over the reigns or you die. 

4. Living trusts remain confidential, wills are not. Since probate is a legal proceeding, if your will goes through probate, your will becomes part of the probate court records, which are made available for public inspection.  

5. The successor trustee is able to take over once the principal is disabled which is a huge advantage. The “seamless” transition of control over the trust and the trust corpus upon the disability of the grantor is a huge advantage of the trust over the will.

Getting Legal Help with Living Trusts

If you think that a living trust might be the best estate planning tool for you, please feel free to contact one of our experienced Illinois estate planning attorneys today. Our law firm serves the communities of Crystal Lake, Palatine, Des Plaines, Mount Prospect, Long Grove, Kenilworth, Riverwoods, Buffalo Grove, Barrington, and Arlington Heights. Call 847-934-6000 to speak to a member of our team.

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.

Source:
http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2117

Five Advantages of Living Trusts Over Wills

Web Admin - Friday, January 03, 2014

By Jay Andrew
JAA@DGAALAW.COM / (847) 934-6000
http://www.dgaalaw.com/jay-andrew.html

When preparing for the disposition of their property after they pass on, many people often find themselves questioning what wills and living trusts are and which document would better suit their needs. Wills, governed by the Probate Act of 1975, are legal documents that a person prepares prior to their death, which specifies how the rest of the family should distribute their property and handle the other affairs. Living trusts, which are controlled by the Trusts and Trustees Act, are legal devices that allow a person of the creator’s choosing, the trustee, to handle the disposition of their property. While everyone’s situation comes with unique considerations, living trusts may provide various advantages over wills. Five of the most important advantages include:

1. Living trusts can help your family avoid dealing with long, draw-out probate proceedings. Courts use probate proceedings to tie up a person’s loose ends, distribute their property, and generally enact their will. If you use a living trust, rather than moving through the court system, the trustee can distribute the property in accordance with the trust. This means that your family will not need to bring themselves to the courthouse and deal with the fees and hassle that come along with probate proceedings.

2. Living trusts also provide more privacy than wills do. While both wills and living trusts remain private throughout your life, the probate court will look at the will after you pass on, even if there are no formal probate proceedings. That means that the will becomes a matter of public record. On the other hand, your relatives will not need to file the trust with the court, so it can stay between them.

3. Living trusts also stand a better chance of surviving a legal challenge after your death, making it more likely that your final plans will be enacted to your specifications. The extra strength from a living trust comes from your ability to keep an active eye on it during your life. Because you would stay involved with the trust’s management during your life, relatives would find it harder to prove that you were not of sound mind when making the plan.

4. Living trusts make leaving property to minor children simpler too. Because minors cannot own most property, the trustee whom you choose can manage it for them, whereas a court appointee would likely handle the management if you chose to pass the property on with a will.

5. Living trusts have further benefits in the event that you become incapacitated while alive. Ordinarily, such circumstances would require relatives to petition the court for control of your affairs, and then the court would appoint a person to manage them. With a living trust, you can appoint a successor trustee to take over management in the event that you become incapacitated.

Decisions about testamentary dispositions can be complicated and involve multiple areas of law. If you are in the process of making such decisions, contact a Palatine estate planning lawyer today. We serve many areas in the northwest suburbs including Arlington Heights, Crystal Lake and Barrington.


Recent Posts


Tags

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

Archive