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

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

Archive