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. 

Chicago Landlord Tenant Ordinance

Web Admin - Friday, May 08, 2015

landlord tenant ordinance, Schaumburg real estate lawyerOver 60 percent of Chicago residents live in rental housing. As a result, the laws governing the landlord-tenant relationship are very important. The Chicago Landlord Tenant Ordinance governs a majority of the residential rental agreements within the city. The Ordinance places certain duties on both landlords and tenants.

What Does the Ordinance Do?

Generally, the Ordinance covers any rental units under written or oral leases. However, the Ordinance does not cover the following:

  • - Units in owner-occupied buildings that have less than six units;
  • - Units in hotels, motels, inns, or bed-and-breakfast establishments, unless rent is paid monthly and the unit is occupied by the tenant for more than 32 days;
  • - Dormitories or shelters; and
  • - Owner-occupied co-operatives.

The Ordinance requires that tenants abide by all of the obligations of the Municipal Code. Some of these duties include, but are not limited to, the following:

  • - Maintaining smoke and carbon monoxide detectors (for example, by ensuring that working batteries are in the detectors);
  • - Keeping the unit as safe as the conditions of the premises permits;
  • - Avoiding disturbing other tenants; and
  • - Not causing any damage to the unit.

Landlords are also placed under duties by the Ordinance. A landlord is required to maintain the property in compliance with the Municipal Code. This includes maintaining heating facilities, the structural integrity of the building, and the building’s plumbing system, among numerous other items.

Further, a landlord cannot require a tenant to renew a lease agreement more than 90 days before an existing agreement ends. Additionally, a landlord must provide a tenant with at least 30 days written notice if the rental agreement will not be renewed. If this required notice is not given, a tenant may remain in the unit for 60 days under the same terms and conditions as the last month of the existing agreement.

Remedies for Defects

If a property has a minor defect, a tenant’s first step to remedy the issue is to provide written notice to the landlord indicating that if the landlord does not correct the defect, the tenant will have the defect corrected at the landlord’s expense. The landlord has 14 days to correct the issue before the tenant can take action. The cost to correct the issue cannot be more than the greater of $500 or one half of the monthly rent. After 14 days, if the landlord has not taken corrective action, the tenant can have the repairs completed. The tenant can then submit to the landlord a paid bill and deduct the cost of the work from the rent.

For a material noncompliance to maintain the premises, a tenant may withhold rent in an amount that reasonably reflects a reduction in value of the premises as a result of that material noncompliance. This withholding of rent may continue for as long as the material noncompliance continues. However, the withholding can only begin after 14 days have passed since the landlord was given written notice of the condition.  

If you would like more information about the rights and obligations of the parties involved in a residential rental relationship, you should speak with an experienced Illinois real estate attorney today. Whether you are a landlord or tenant, Drost, Gilbert, Andrew & Apicella, LLC can help. Our office proudly represents clients in the Schaumburg, Palatine, and Long Grove areas, among many others. 

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.

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.

Recent Posts


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