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

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

Archive