DGAA bLAWg

Considerations for Owning a Vacation Home

Web Admin - Monday, August 31, 2015

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

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

Tax Issues

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

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

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

Passing Home to Heirs

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

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

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

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

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

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

Remedies for Condominium Unpaid Assessments and Fines

Web Admin - Friday, August 07, 2015

Illinois vacation home fines, real estate attorneyA condominium or townhome association has the ability to assess unit owners with common expenses and fines (collectively, “assessments”). When unit owners fail to pay these assessments when they become due, the association can pursue legal action to enforce payment. These actions can result in significant consequences against unit owners, including the potential for eviction.

Foreclosure and Eviction

One option for an association is to place a lien on the unit, which often occurs automatically when an assessment is not paid. If the past due assessment is still not paid, the lien may be foreclosed on in court. This will result in a court-ordered sale of the owner’s equity in the unit. Further, foreclosure is possible regardless of whether the unit owner is current on all mortgage payments.

Under Illinois law, it is also possible to evict a unit owner or tenant who is delinquent on the payment of any assessments. To initiate this process, the association must serve on the unit owner, through the mail, a 30 Day Notice and Demand for Possession (demand, with return receipt requested. If the demand is properly mailed, effective notice is deemed to have occurred, which means that the demand does not actually have to be received by the unit owner.

The effect of the demand is that a unit owner has 30 days to pay the outstanding amount. If the unit owner fails to make this payment, an association can sue to evict the owner from the unit through a forcible entry and detainer action. Included in the lawsuit will be a claim for all unpaid assessments and reasonable attorney fees and costs.

In some circumstances, partial payment may resolve the issue because an association can agree to withdraw the demand in exchange for partial payment. However, if the association does not agree to withdraw the demand, partial payment does not affect the eviction or demand. If after 30 days the partial payments do not total the entire amount due, the association can proceed with the forcible entry and detainer action.

If successful, the court will enter a judgment evicting the tenant or homeowner. However, by law, any enforcement of the eviction judgment must be stayed for at least 60 days, but not more than 180 days, at the discretion of the court.

After the eviction is complete, the association can lease the unit for a period of up to 13 months (which may be extended by court order) until all unpaid assessments have been paid. After all of these have been paid, the unit owner can regain possession of the unit by filing a motion with the court to vacate the judgment of possession.

Help with Real Estate Legal Issues

If you would like more information about real estate transactions or how disputes related to real estate are resolved, speak with a skilled Illinois real estate attorney today. Our firm provides diligent representation for individuals throughout the northwest suburbs, in communities such as Mount Prospect, Inverness, Palatine, Long Grove, and Riverwoods.

About the Author: Founding partner of Drost, Gilbert, Andrew & Apicella, LLC, Colin Gilbert, received his J.D. from Chicago-Kent College of law in 2005. Colin argues cases across many practice areas including criminal defense, collections, civil litigation, real estate law, and corporate law. Colin is an active member of the Board of Governors of the Northwest Suburban Bar Association and the Illinois Creditors Bar Association. He is currently Vice President of the Arlington Heights Chamber of Commerce, and is a Commissioner for the Village of Arlington Heights. Colin has a 10.0 Attorney rating on Avvo, and was named one of the 2014 “Top 40 Under 40” Trial Lawyers in Illinois by the National Trial Lawyers Association. 

Consumer Financial Protection Bureau Makes Major Changes to Real Estate Closings

Web Admin - Thursday, March 26, 2015

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

The Loan Estimate

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

The Closing Disclosure

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

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

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

New Realtor Form Contract Comes into Use

Web Admin - Thursday, August 14, 2014

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

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

Version 6.0 Changes

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

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

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

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

Contact Our Real Estate Lawyers Today

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

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/ commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

Commercial Leasing in the Chicago Suburbs

Web Admin - Thursday, May 22, 2014

The suburban Chicago commercial leasing market has seen a slight recovery as compared to the depths of the recession, but the revival appears to be sluggish. According to Crain’s Chicago Business, the market currently has an overall vacancy of approximately 24.4 percent. That number is an improvement over the low point of the recession, 25.4 percent in 2010, but it is still a long way off from 2006, during which it fell below 20 percent.

Despite this merely modest improvement, there has actually been a noticeable increase in asking rents, up 12 percent to an average of $21.94. Some experts believe that this rise in asking price relates to the fact that most owners who were in danger of losing their properties have either recovered or gotten out of the market by now. This means that current landholders are more apt to sit and wait than they are to engage in a race to the bottom over prices as they had done in the past. Consequently, hiring an attorney to help negotiate the lease can be even more beneficial.

The Benefits of Involving an Attorney

Both first time lessees and experienced business owners can benefit from investing in a savvy real estate attorney during lease negotiations. Leases are legal documents just like any other contract, and just like many other contracts, they can be filled with dense legalese. Lawyers specialize in dissecting such complex provisions, so that the business owner can be sure they understand exactly what they are agreeing to.

Yet the attorney can add more value than simply translating the lease. Experienced real estate attorneys understand the sorts of provisions likely to appear in a lease. This means that getting an attorney involved early can help negotiations move along more smoothly. Often, business owners, especially those new to commercial leasing, sketch out broad strokes of the lease in negotiations, focusing on key points like price and size of the space. Then, once they feel they have reached a final agreement, the landlord provides the full lease, and the lessee discovers other provisions like janitorial services that the initial negotiations did not cover.

This necessitates reopening negotiations after it appeared that everything had been finalized. Involving a lawyer earlier in the process can prevent such problems from arising. Lawyers with experience negotiating commercial leases can help business owners see the full field of lease terms and allow them to negotiate with confidence.         

Whether you are just beginning to think about buying space or you already have a potential lease ready for review, reach out to an Illinois commercial real estate attorney today. Our experienced team can help analyze your lease and aid you in negotiating the most advantageous deal possible. We serve clients across the northwest suburbs, including in Arlington Heights, Long Grove, and Mount Prospect.

About the Author: Founding partner of Drost, Gilbert, Andrew & Apicella, LLC, Colin Gilbert, received his J.D. from Chicago-Kent College of law in 2005. Colin argues cases across many practice areas including criminal defense, collections, civil litigation, real estate law, and corporate law. Colin is an active member of the Board of Governors of the Northwest Suburban Bar Association and the Illinois Creditors Bar Association. He is currently Vice President of the Arlington Heights Chamber of Commerce, and is a Commissioner for the Village of Arlington Heights. Colin has a 10.0 Attorney rating on Avvo, and was named one of the 2014 “Top 40 Under 40” Trial Lawyers in Illinois by the National Trial Lawyers Association.

Home Sale Contingencies in Real Estate Contracts

Web Admin - Thursday, April 10, 2014

illinois real estate contingencies lawyerBuying a new home is a complicated task that requires a lot of pieces to fall into place in just the right way. For many people, one of these pieces is the ability to sell their current home. Often, people need to sell their old home first to make sure they have enough cash on hand to afford the new one. Of course, sometimes that is not feasible, and people will want to put an offer down on a new house before they have managed to sell their old one. When this happens, people can use a “home sale contingency” clause in their contract to purchase the new home. In short, a home sale contingency clause voids the contract for the sale of the new house in the event that the buyer is unable to sell their old one.

Types of Home Sale Contingencies

There are two broad types of home sale contingencies that lawyers can build into a contract: a “sale and closing contingency” and a “closing contingency.” The sale and closing contingency is used in the event that the buyer has yet to find a prospective buyer for their own home. Conversely, buyers use closing contingencies when they have a prospective buyer who has made an offer for their home, but the sale has not yet closed. In this instance, the contingency acts as an insurance policy against the sale of the buyer’s home falling through at the last minute. While these two types of clauses function in largely the same way, both of them voiding the sale of the new house if the old one does not sell, the sale and closing contingencies are more likely to include a “kick out” clause.

Kick out clauses are a right of first refusal. They allow the seller to keep searching for other buyers for the house. In the event that one of these other buyers makes an offer, then the seller must notify the first buyer. The first buyer then has some period of time to sell their house or else the seller is allowed to make the sale to the new buyer instead.

Factors to Consider When Using a Home Sale Contingency

Buyers should consider two things when deciding whether to ask for a home sale contingency: the effect it will have on the new home’s price and the other costs of purchasing a house. For the first point, home sale contingency clauses will likely drive the price of the new home up. The buyer is asking the seller to take the risk that the buyer’s old home will not sell, and the seller will likely want compensation for bearing that risk.

For the second point, buyers can still end up sinking other costs into the attempted purchase of the new home. They can end up paying for things like home inspections, appraisal fees, and the like, even before they have sold their old house. In the event that the buyer fails to sell their home, then they have wasted any money spent on such things.

If you are in the market for a new house, find an Illinois real estate attorney to help ensure that you receive strong, fair contracts. We serve towns all across northwest Chicago including Palatine, South Barrington, and Mount Prospect.

About the Author: Attorney Jay Andrew is a founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.

A Beginner’s Guide to Applying for a Mortgage Loan

Web Admin - Thursday, February 20, 2014

illinois mortgage loan lawyerFor many first-time home buyers, the process of applying for a mortgage can seem complex. This guide will explain the basics of the process, such as the timeline for applying for a mortgage, the documents that applicants should procure and bring, and the credit score and down payment that applicants should expect.

The Mortgage Timeline

The mortgage process begins with a pre-approval application. The purpose of the preapproval process is to let the bank or lender look into the applicant’s finances, in order to make sure that they can afford a loan. This is when banks ask for most of the documentation. Often they want things such as:

- a list of addresses and landlords;
- a list of previous employers;
- pay-stubs from the previous one or two months, with a person’s year-to-date earnings included as well;
- the last two year’s W-2 forms;
- two months of bank statements for all accounts;
- a list of all debts not on the applicant’s credit report; and
- a list of all other real estate that the applicant already owns.

If the applicant has already found a house that they like, and their offer has been accepted, then the bank will also want the seller’s contact information and a copy of the contract. Being ready to provide these documents can help speed up the mortgage process.

Once a person goes through the pre-approval process and has made an offer on a house, the bank will order an appraisal on it. The appraiser will go through the house and determine the value, and then the bank will take their assessment into account when calculating how large a loan they can offer. Generally speaking, the bank will base their offer on either the appraisal value or the purchase price, depending on which is lower.

After the appraisal, the loan underwriter will look at all the documentation to make sure the loan is a good investment for the bank. From start to finish, the whole process usually takes about four to six weeks on the bank’s end, but timelines may vary, and asking the lender in the beginning may be a good idea.

Credit Scores and Down Payments

In addition to the array of documentation, lenders will also expect borrowers to have good credit scores and money available to make a down payment on the house. The rule of thumb for a conventional loan, according to U.S. News, is that a borrower would need a credit score of at least 650. Conventional loans also require, on average, a down payment of around 20 percent. Borrowers may have an alternative in the Fair Housing Act loan, which is a loan insured by the federal government. These loans offer a 3.5 percent down payment with a 580 credit score, and a 10 percent down payment with a 500 credit score.

If you are going through the process of buying a home, contact an Illinois real estate attorney today. Our team serves people in many northwest suburban areas including Inverness, Barrington and Long Grove.

About the Author: Attorney Jay Andrew is founding partner of Drost, Gilbert, Andrew & Apicella, LLC. He is a graduate of the University of Dayton School of Law and has been practicing in estate planning, probate, trust administration, real estate law, residential/commercial leasing, contracts, and civil litigation. Since 2005, Jay has been a Chair of the Mock Trial Committee for the Annual Northwest Suburban Bar Association High School Mock Trial Invitation which serves over 240 local Illinois students each year.


Recent Posts


Tags

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

Archive