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


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