location28 N. 1st St., Suite 101, Geneva, IL 60134

phone331-222-7978

Recent blog posts

IL eviction lawyerAs a landlord in Illinois, having tenants consistently pay late can be extremely frustrating. You may wonder what options you have to evict a tenant for chronically late rent with the help of an Illinois attorney. Here is what Illinois landlords need to know about evicting tenants for late rent payments.

Notice Requirements for Late Rent

Before a tenant in Illinois can be evicted for late rent, you must provide proper written notice. The notice must specify the amount owed and provide at least five days for the tenant to pay before you can file for eviction.

If the tenant pays within five days, you cannot proceed with eviction solely based on that late payment. However, if the tenant still does not pay after you provide notice, you can move forward with the eviction filing.

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Geneva, IL bankruptcy lawyerChapter 7 bankruptcy offers individuals overwhelmed by debt a fresh start. However, misconceptions often surround this legal process, leading to confusion and misinformation. Today, we will be debunking some of the most common misconceptions regarding Chapter 7 bankruptcy, empowering individuals with accurate knowledge and dispelling myths associated with this debt relief option. If you are considering filing for Chapter 7 bankruptcy, contact an experienced bankruptcy attorney to ensure you receive the critical legal guidance you need during this trying time. 

Losing Everything

One significant misconception is that filing for Chapter 7 bankruptcy means losing all assets. In reality, exceptions exist to protect certain property types, such as essential household items, a vehicle, and in some cases, even your home. Understanding the exemptions available in your state is crucial to safeguarding your assets throughout the process. 

Public Stigma

Many people believe that filing for bankruptcy will result in social judgment or stigmatization. It is important to note that bankruptcy laws are in place to provide individuals with a second chance and a fresh start. While bankruptcy filings are public records, the stigma associated with this process has significantly diminished over time.

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Geneva, IL residential real estate lawyerRadon is a harmful substance that is found in the ground. Sometimes, radon can leach out of the ground and appear in the basement of residential homes. When a homeowner wants to sell, tests will usually be performed during the sale process to determine the home’s radon levels. If they come back showing high levels of radon, it can throw a wrench into the residential real estate transaction process. Deals can still go through, even with a high radon level, but they usually require some adjustment. 

Radon Is a Dangerous Gas

Radon is a gas that is created when radioactive elements in the ground decay. Large-scale exposure to radon is carcinogenic. Radon is blamed for approximately 20,000 deaths each year and is a major contributor to high rates of lung cancer among non-smokers. Accordingly, radon testing is a part of the due diligence and inspections that a buyer performs before the home selling transaction is completed.

If the tests discover high levels of radon, it could give a buyer a right to walk away from the deal entirely. Even when levels of radon are not that high, many buyers hear the word radon and are immediately frightened. However, the seller can take steps to mitigate the radon and improve their chances of selling their home. 

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Can I Buy a Car After Bankruptcy?

Posted on in Bankruptcy

Geneva Bankruptcy LawyerMany people who file for bankruptcy believe that they will never be able to get any kind of credit in the future. They believe that things like a new car are out of reach. It is possible to get car loans after bankruptcy, but you will need to pay more for it. A Geneva bankruptcy lawyer can advise you of the potential effects of declaring bankruptcy and what could happen in the following years. 

You Can Get Some Types of Credit

In general, bankruptcy will remain on your record for seven years after the process concludes. The bankruptcy will continue to affect your credit. Immediately after the debt is discharged is when there will be the highest impact. Most lenders will decline for traditional auto loans because of your credit. However, the more time passes after your bankruptcy, the more the impact will diminish. It may be possible to get a traditional car loan several years after your bankruptcy.

There are some lenders that will work with people who have recently emerged from bankruptcy. However, the interest rate that they charge will reflect the risk of a lower credit score. You can expect to pay at least several points higher for the interest rate. That could put a new car out of your price range. Nonetheless, the perception that you are completely shut out of the car loan market is not entirely correct. 

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Geneva Estate Planning LawyerFor most adults, the prospect of being unable to make your own decisions is not something we want to consider. While this is understandable, incapacitation planning is still a crucial part of the estate planning process. Planning for the possibility of severe illness is important regardless of your age, health, or financial circumstances.

A power of attorney is an estate planning tool that lets you choose another individual to make decisions on your behalf should you become incapacitated. In this blog, we will answer some of the most common questions people have about powers of attorney in Illinois.

What Does a Power of Attorney Agent Do?

The power of attorney agent, or “attorney-in-fact,” has the authority to make decisions about your personal affairs if you are too sick to do so yourself. A power of attorney for healthcare permits the agent to make medical decisions on your behalf, such as whether you will undergo surgery or receive certain medications or medical treatments. A power of attorney for property, or financial power of attorney, allows the agent to manage your financial affairs.

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