DGAA bLAWg

Buying a Foreclosed Rental Property in Chicago? Think Twice!

Web Admin - Friday, April 22, 2016

foreclosed rental property, Illinois Real Estate Lawyers During the Great Recession, and the slow recovery thereafter, thousands of property foreclosures occurred across the country. Some individuals who were most affected by these foreclosures were renters living in a home or other dwelling where the landlord's property was foreclosed. 

In response to the harm that renters were suffering in Chicago, the Windy City specifically enacted an ordinance to help protect renters from foreclosure on properties located in the City of Chicago. 

The Keep Chicago Renting Ordinance was specifically crafted to help protect renters from foreclosures, and placed substantial obligations on landlords/property owners. However, anyone who is considering buying a foreclosed rental property in Chicago should be advised of these obligations under the law, and should be fully appraised of the potential consequences they could face as the new owner of the property. 

If you are considering purchasing a Chicago property for rental purposes, consider discussing your situation with a lawyer as soon as possible.

The Keep Chicago Renting Ordinance was enacted in the fall of 2013 and revised in the spring of 2015. When the ordinance was originally created, it carved out many protections for renters, but the amendments went further to strengthen and increase those protections. Many obligations are put onto any new owner who purchases the foreclosed rental property. 

Requirements for the Purchasing Landlord

New owners of a foreclosed rental property have many obligations to tenants under the Keep Chicago Renting Ordinance. Some of these obligations include:

- Providing written notice of new ownership to tenants. When a new owner takes over a foreclosed rental property, the new owner must provide written notice to all tenants. The notice must inform tenants of the change in ownership due to the foreclosure, identify the new owner, establish where to pay rent and how to request repairs, and must detail tenants’ rights under the Keep Chicago Renting Ordinance (an English, Spanish, Polish and Chinese translation of the Ordinance must be provided). Notice must be given within 21 days of taking ownership, or within seven days of learning a tenant’s identity. The notice can be hand delivered (to tenants over the age of 13) or mailed to the tenant’s address, and an additional notice must be posted on the primary entrance to the property. New owners must collect tenant disclosure forms. 

- Collecting tenant disclosure forms from all tenants. New owners must decide to keep renting to a tenant or to offer relocation assistance. A new owner can decide if a tenant will stay or go after gaining ownership of the property. Within 21 days of taking ownership, the owner must provide tenants with a form requesting information about the tenant. Upon return of the form from the tenant, the owner has 21 days to decide if the tenant will stay or go and must notify the tenant of the decision. 

- If the decision is to let the tenant stay, then the owner must provide the tenant with a renewal or extension of their rental agreement. Any rent increase cannot be more than 2 percent. 

- If the decision is that the tenant must go, then the owner is obligated to provide qualified tenants with a relocation fee of $10,600 within a week of the tenant vacating the rental property. 

These are just a few consideration potential buyers of foreclosed rental properties should consider. If you would like to discuss what legal obligations you might have to tenants of a foreclosed rental property upon assuming ownership, you can discuss your concerns with the skilled Illinois real estate lawyers at our firm. We serve the communities of Schaumburg, Des Plaines, Riverwoods, Kenilworth, Long Grove, Rolling Meadows, Barrington, Arlington Heights, Inverness, and Deer Park. Please call 847-934-6000 to speak to a member of our team.

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.


Sources:
http://www.cityofchicago.org/content/dam/city/depts/bldgs/general/Tenant%20Ordinance/Keep_Chicago_Renting_Ord.pdf
https://chicago.legistar.com/View.ashx?M=F&ID=3706622&GUID=A2C5368B-910F-4485-BD73-116F5F10374C

Zoning of Real Estate

Web Admin - Tuesday, January 19, 2016

zoning of real estate, Illinois Real Estate AttorneyIf you are a business owner searching the market for commercial real estate, it is critical to be aware of, and understand, the various zoning laws. These laws will impact what you are allowed to do on the property. Therefore, determining the types of activities your business will engage in is also important when looking for commercial property. 

What Do Zoning Laws Do? 

Under Illinois law, local municipalities can utilize zoning laws (also referred to as zoning ordinances or land use regulations) in order to protect communities and regulate their growth. These laws establish zones of property that can only be used for specific purposes. There are numerous types of zones, including: 

1. Residential;

2. Commercial, such as retail stores, office buildings, and hotels;Industrial, which involves manufacturing facilities;

3. Agricultural, which are areas designated for farming activities; and

4. Recreational. 

Hence, for example, an individual would be prohibited from opening a manufacturing plant in an area zoned for residential use. However, most real estate, with the exception of single-family homes and lots, can be commercial real estate, as you have probably seen an old building once used for manufacturing changed into office or retail space. 

Zoning laws regulate various activities of businesses for numerous reasons, such as ensuring areas receive adequate light, to protect against the risk of fires and to minimize congestion on public streets. Some of the common laws enacted regulate: 

1. Noise level;

2. Appearance of the building (such as its height and proximity to other buildings);

3. Whether parking must be provided; and

4. Size, placement, and appearance of signs.

Depending on the type of business, the more or less relevant certain restrictions may be. For instance, the limits on the amount of noise that can be produced likely does not affect a grocery store, but may greatly impact a nightclub. Other regulations, such as those related to the appearance of signs attached to the building, will likely affect any type of commercial use of the property. 

The zoning laws make it important for business owners to check their local ordinances to ensure that they will be allowed to perform the types of activities necessary to operate the business. It is important to not simply rely on the activities that the previous tenant or owner conducted because past use is not an indicator that the same future use is permissible. For example, generally speaking, when a new law is passed that prohibits activity, the current occupant is allowed to continue to conduct the activity that is now prohibited (called non-conforming use). However, when a new occupant enters the property, he or she must conform to the law (it is impermissible to continue the nonconforming use).

Real Estate Help 

The success of your business can be significantly impacted by leasing or purchasing real property that does not fit with the activities your business needs to conduct. For more information about commercial property, contact a skilled Illinois real estate attorney today. Our firm provides legal representation for individuals in the communities of Inverness, Palatine, Schaumburg, Arlington Heights, Long Grove, Kenilworth, Riverwoods, Barrington, South Barrington, 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.



Source: 

http://ilga.gov/legislation/ilcs/fulltext.asp?DocName=006500050K11-13-1


IRS Code Section 1031 Exchanges

Web Admin - Wednesday, December 23, 2015

IRS Code Section 1031 exchanges, Illinois real estate attorneyUsually, when an individual sells an investment property and enjoys a gain on the sale, that gain is taxed. However, it may be possible to postpone having to pay that tax under certain conditions. This is because of a special provision of the Internal Revenue Code (IRC) related to “like-kind” exchanges of property. 

Like-Kind Exchanges

Under IRC §1031, an exception to the tax on the sale of an investment property is made for transactions that involve a like-kind exchange. This type of transaction occurs when the property being sold and the property being acquired meet certain requirements. First, both properties must be held for investment purposes. This means that property held for personal use does not qualify as a like-kind exchange. 

The second requirement is that the sold property and the acquired property must be sufficiently similar to each other. Property that is like-kind must have the same nature, character, or class. Generally speaking, real estate is like-kind to other real estate. But, property within the United States is not like-kind to property outside of the United States. Both real and personal property can be like-kind, but they are not like-kind to each other. 

Some types of property specifically excluded from §1031 include, but are not limited to: 

1. Property held primarily for sale;

2. Stocks, bonds or notes;

3. Partnership interests; and

4. Certificates of trust. 

§1031 allows an individual to delay the payment of tax on a gain from the sale of property so long as the proceeds are reinvested in similar property. It is important to note that this allows for the payment of tax to be deferred. It does not mean that the individual will never have to pay tax on the gain. 

Reporting to the IRS 

When an individual completes a like-kind exchange, it must be reported to the Internal Revenue Service (IRS). To do this, the individual must fill out Form 8824 and file it along with his or her tax return for the year in which the exchange occurred. Form 8824 requires the individual to provide the following information: 

1. A description of the properties involved;

2. Date the properties were exchanged;

3. Whether a relationship exists between the parties involved in the exchange;

4. Value of both properties;Gain or loss on non-like-kind property involved;

5. Cash accepted or paid;

6. liabilities relieved or taken on; and

7. The adjusted basis of the property relinquished and any realized gain. It is important to follow the reporting requirements, as failing to do so can lead to the assessment of tax, penalties, or interest on the transaction. 

Help with Real Estate Issues 

Often, the sale of investment property leads to a significant tax event. By utilizing this special provision of the tax code, you can delay having to pay that tax. For more information related to the tax implications of buying and selling investment property, contact a skilled Illinois real estate attorney today. Our firm provides help to individuals in the communities of Inverness, Palatine, Schaumburg, Arlington Heights, Long Grove, Kenilworth, Riverwoods, Barrington, South Barrington, 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.



Source:
https://www.law.cornell.edu/uscode/text/26/1031

Forcible Entry and Detainer Actions

Web Admin - Friday, October 09, 2015

Illinois real estate attorney, forcible entry, eviction noticeIn some disputes involving a rental of property, it is possible for a landlord to evict a tenant. In order to successfully evict a tenant, the landlord must comply with the laws governing eviction proceedings. These laws are intended to provide for a means of obtaining evictions, while simultaneously protecting tenants from unjustified eviction attempts. 

Eviction Process 

Pursuant to Illinois law, under certain circumstances, it is possible for a landlord to file a claim, known as a forcible entry and detainer lawsuit, to evict a tenant. Some of the reasons a landlord may be justified in seeking eviction include, but are not limited to, the following: 

1. Failure to pay rent;

2. Violation of the lease terms; or

3. Remaining in the property after the agreed upon lease term has passed. 

In some cases when issues arise, the tenant may voluntarily leave the property. However, if the tenant refuses to relinquish the property, the landlord may be forced to file a forcible entry and detainer lawsuit to initiate eviction proceedings. The first step in the process is to serve notice on the tenant of the intention to terminate the lease. The best way to satisfy the service requirement is to personally hand the tenant the notice. Alternatively, it can be left with someone that lives in the property who is at least 13 years of age. The notice requirement is not satisfied if the notice is left with a guest or visitor to the property. 

If personal notice is not possible, constructive notice is also sufficient. Constructive notice can be accomplished by mailing it by certified or registered mail, return receipt requested. If there is no one in actual possession of the property, the notice can be attached to the property. After notice has been properly served and the issue has not been corrected or the tenant has not moved out, the lawsuit to evict can be filed.

A forcible entry and detainer claim seeks to obtain an “Order for Possession” from the court, which grants the landlord the right to take possession of the property. If the Order for Possession is granted, in most cases, the court will also grant a “stay of enforcement” in order to give the tenant time to find a new place to live. After the stay expires, the Sheriff’s Department will assist the landlord in removing the tenant from the property. 

In addition to the claim for the property, the landlord can join a claim to obtain rent due. However, if constructive notice was used to satisfy the service requirement and the tenant does not appear, the court can only rule on the possession claim and not whether any rent should be paid to the landlord. If the possession claim is decided, it is final, enforceable, and appealable. If the landlord wishes to continue with the rent claim, it remains pending. 

Real Estate Attorneys

Unfortunately, disputes between landlords and tenants do arise. When those issues are significant enough, eviction of the tenant may be sought. If you have questions about the rental of property, contact an experienced Illinois real estate attorney today. Our firm provides representation for individuals located throughout the northwest suburbs, including the communities of Long Grove, Arlington Heights, Schaumburg, Palatine, Inverness, Kenilworth, Riverwoods, Barrington, South Barrington, 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.

Source:

http://www.ilga.gov/legislation/ilcs/ilcs4.asp?DocName=073500050HArt%2E+IX&ActID=2017&ChapterID=56&SeqStart=66600000&SeqEnd=74400000


Issues in Commercial Leases

Web Admin - Tuesday, April 07, 2015

commercial leases in Illinois, Inverness commercial real estate lawyerA key to the development of a successful business is finding the best possible location in which to set up your company. This is especially true when the nature of the company necessitates that the customer visit the business space. In order to obtain space, it is common for a company to enter into a commercial lease. Business owners should be aware of issues related to commercial leases when it comes time to negotiate and agree to the lease agreement.

What to Look for in Commercial Leases

A commercial lease is a contract between a business and a landlord for the rental of space in a building. Importantly, property is zoned for specific purposes, which may differ from what the landlord is advertising the space for or what the previous tenant used the space for. A property can be zoned for different types of uses, such as residential, commercial, or industrial. What the property is zoned for will determine the type of activities that can be conducted in the rental space. For example, the Schaumburg zoning ordinance divides the village into zones or districts and places restrictions on permitted uses within those designated areas. Therefore, a property owner should check with the local zoning authority to determine what the space is zoned for.

The length of a commercial lease is an important issue to resolve. For a business in its initial stages, the risk of failure is high. As a result, entering into a lengthy lease term is usually not advisable, particularly if the agreement contains an acceleration clause. An acceleration clause gives the landlord the ability to request the entire unpaid rental amount for the remainder of the lease term. A long lease term puts the company at the risk of being obligated to pay a substantial amount of money for space that it is no longer using.

For new businesses, negotiating for shorter lease terms with several renewal options can help address the possibility of the business failing. Another great option is to negotiate for an escape clause that frees the business from the rental agreement in the event the business fails. Alternatively, longer lease terms may be perfectly suitable for more established businesses. Longer lease terms can be helpful because the location of the rental space can provide value, particularly if customers frequently visit, as, for example, in the case of a restaurant or retail store.

Other Issues

Some other issues that should be addressed in the lease agreement include:

  1. 1. The right to place signs in and/or on the rental space;
  2. 2. Whether common areas or facilities (like restrooms) can be accessed by employees and customers; and
  3. 3. Whether parking areas can be used by employees and customers.

If these issues are not specifically addressed in the agreement, it is likely they will require the consent of the landlord, which may not be granted. Therefore, it is important to resolve these issues before entering the agreement.

It is important to keep in mind that these are only a few of the considerations when negotiating a commercial lease. If you are in the process of searching for commercial space, contact an experienced Illinois commercial real estate attorney today. Drost, Gilbert, Andrew & Apicella, LLC represents clients in locations such as Inverness, Palatine, and Schaumburg.

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.

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


Tags

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

Archive