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

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

Archive