New Changes in the Multi-Board Residential Real Estate Contract 7.0

Web Admin - Friday, March 29, 2019
Inverness real estate contract lawyerWhen Illinois residents buy and sell homes, their real estate agents and lawyers generally use a standard form for the sales agreement, the 13-page multi-board residential real estate contract. The latest version, 7.0, should be used for all transactions initiated after March 1, 2019. It contains several important changes that make the contract easier to use than the 6.1e version that has been in use since 2015. 

Significant Changes in Real Estate Contract 7.0 versus 6.1e

The changes to the contract are mainly intended to help reduce errors and misunderstandings amongst all parties involved in a real estate sale. The most important changes that buyers, sellers, and real estate agents should be aware of are:

- Inspection contingency: Subparagraph (a) of the inspection paragraph has been rewritten to prevent buyers from demanding minor repairs. It now specifically states that minor repairs “shall not be a basis for the buyer to cancel” the contract. In addition, the seller can now terminate the contract and return the buyer’s earnest money if the buyer asks for repairs or credits unrelated to the major components of the property. 

- Financing contingency: The old Mortgage Contingency paragraph has been replaced by a Financing paragraph with a choice of three options: mortgage contingency, cash transaction with no mortgage, or cash transaction with mortgage allowed. The deadline for the buyer to serve notice that they did not get the specified mortgage is now fixed at either 45 days after acceptance or five business days before closing, whichever is earlier.

- Property tax representations: Two new seller representations have been added to the contract to better inform buyers about a home’s future property taxes. First, sellers must indicate if there are any home improvements that have not yet been assessed for property tax purposes, such as an addition or a new garage. Second, sellers must indicate if there have been any property improvements eligible for a home improvement tax exemption. 

- Attorney review: The language of this paragraph has been clarified so that any proposed change to the sales contract that references subparagraph (d) will be deemed a “proposal;” any other change will be deemed a counteroffer. A buyer or seller can void the contract due to disagreement over a counteroffer but not over a proposal. 

- Seller credits at closing: The paragraph stating whether the seller will pay the buyer’s closing costs has been moved from page 10 to page 1, so it is located near the purchase price.

- Fixtures and personal property included: Four more items were added to the list: hardscape, wall-mounted brackets for TV/AV equipment, water softener, and wine/beverage refrigerator.

- Foreign seller disclosure: If the seller is a nonresident alien or foreign corporation, this fact must be disclosed for federal tax reasons. 

Consult a Palatine Real Estate Lawyer

To ensure that your home sale and/or purchase proceeds smoothly and that your legal and financial interests are protected throughout the process, contact an experienced Arlington Heights real estate attorney by calling 847-934-6000. The attorneys of Drost, Gilbert, Andrew & Apicella, LLC will represent your interests in any real estate transaction. 

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.


What Happens to an Unfunded Trust?

Web Admin - Wednesday, June 11, 2014

illinois unfunded trust lawyerPreparing estate planning documents is a key step in ensuring that a person’s final wishes are respected throughout the probate process, and a recent survey shows that the majority of Americans understand this fact. However, when setting up a trust, preparing the documents does not finish the process. If the person who sets up the trust fails to properly transfer their assets into it, it can become an underfunded or unfunded trust. This lack of proper funding can lead to a failure of a person’s estate plan, and also increases the potential for disputes throughout the process of probating the estate.

What an Unfunded Trust Is

A trust is a legal construction that involves a settlor, a trustee, and a beneficiary. The settlor creates the trust and transfers assets into it. The trustee manages the assets in the trust and they do so with the best interests of the beneficiary in mind. The drafting of the trust instrument is a key part of this process. That document will outline many of the legal rights and responsibilities of the trustee and the beneficiary, and it can provide instructions for the trustee to follow.

Many people think that once they draft the trust document, the process is complete and the trustee will be able to carry out their desires. This is not the case. The person will also need to legally transfer the assets to the trust. Without doing so, the trustee may not actually be able to control the assets and distribute them in accordance with the settlor’s instructions.

The Consequences of Improper Trust Funding

Improper trust funding can lead to disputes between heirs throughout the probate process. This is because if the settlor does not properly fund the trust the trustee has no legal authority to carry out the wishes of the settlor. Instead, the assets would pass through any will that the settlor left behind, or they may pass through right of survivorship, the default way that courts distribute assets. This means that the beneficiaries of the trust may end up in a legal battle with the heirs listed in the will over their rights to the assets.

Additionally, even if the settlor did not leave a will and there are no disputes, the assets will still need to go through the state probate process to be distributed. This can lengthen the amount of time it takes to wind down a person’s affairs and tends to be a less convenient process than if the trust had been properly funded.

If you are thinking about how best to carry out your final wishes, seek out an Illinois estate planning attorney for help. Our skilled team of lawyers helps clients in northwest suburban towns like Mount Prospect, Arlington Heights, and Schaumburg understand their estate planning options and create the best plan for themselves.

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.

Buying a Home in Illinois: Inspection Contingencies in the Contract

Web Admin - Monday, November 18, 2013

A considerable amount of paperwork is involved when buying a home. To begin the process, buyers sign a detailed contract with the sellers which essentially takes the home off the market while other details--including securing financing, appraisals, and inspections--are finalized.

Two particularly important contracts often used in Illinois are the Multi-Board Residential Real Estate Contract (“Multi-Board”), which has now been released in its fifth version and the Chicago Realtors Contract.  These documents get signed by both the buyer and seller, and represent an agreement between them that the buyer will indeed buy the house, and that the seller will sell it for the agreed upon price. However, the contracts also contain sections called “contingencies,” which represent certain things that either must happen, or cannot happen, for the sale to go through.

For example, a critical contingency that the Multi-Board calls for is the Professional Inspections and Inspection Notices section. This contingency allows for the buyer to conduct, at their expense, different types of inspections of the house that they just agreed to purchase. Under the Multi-Board, a buyer may conduct, “home, radon, environmental, lead-based paint and/or lead-based paint hazards, and/or wood destroying insect infestation” inspections.

While most of the names of those inspections provide a good idea of what the inspector will examine, “home” inspections are more general. It is intended and written in the Multi Board that the home inspector goes in to examine the state of the MAJOR components house. The contract  gives some examples of what constitutes a major component:

• Heating and air conditioning

• Plumbing and well systems

• Electrical systems

• Roofs, walls, windows, ceilings, and floors

• Appliances

• Foundation

If the buyer and the seller cannot reach an agreement about how to handle the results of the inspection by ten business days after they signed the contract, then either party may cancel the contract. This makes the inspector’s job particularly important, since it requires someone who can distinguish important issues from minor or cosmetic ones. Since the real estate market changed from an ultra hot Sellers market in the early 2000s to a cold Buyers market the tenor of the home inspection issues has changed significantly. More and more deals are getting terminated over minor inspection issues. The drafters of these two Contracts specifically drafted them to avoid this decision. Often times these issues are being raised as the parties are getting bad advice from the realtor and/or the attorney involved.

But not all defects or problems may automatically allow a buyer to get out of purchasing the home. For example, under the inspection contingency in the Chicago Realtors Contract, “the Buyer agrees that minor repairs and maintenance costing less than $250 shall not constitute defects covered” by the portion of the agreement which allow a buyer to terminate the contract. In other words, squabbles over minor issues which could be solved for little money are rarely should be enough to tank the deal. Many prolonged legal disputes hinge on the exact question of whether a defect is sufficient to allow a buyer to refuse to purchase the home. This is the point when the professionals involved should provide the appropriate guidance to the Buyer(s) regarding what is acceptable to raise under the contract terms and what is not acceptable to raise.

The easy thing for the Realtor and/or attorneys involved to do is to blame the home inspector.  However, the home inspection company has a contract with the client setting forth their obligation to inspect the property in a certain manner regardless what the home inspection contingency states. It is the responsibility of the Realtor and attorney involved to translate the inspection report into the home inspection contingency limitations and set the Buyers expectations on what the Seller should reasonably be asked to repair.

Of course, home inspections represent just one of the many legal complexities surrounding the process of buying or selling a home. If you are considering going through that process, contact an experienced Rolling Meadows real estate attorney today. Our team can help you navigate the process from start to finish. We serve many northwest suburban areas including Palatine, Buffalo Grove, Barrington, and other nearby communities.

Recent Posts


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