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


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