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3 Ways to Drink Responsibly and Avoid a DUI

It can happen to anyone. You go out to have fun, lose track of the drinks you consumed, and before you know it, it’s time to head home. If you don’t do the responsible thing and call an Uber or ask a friend to drop you at your place, you will face a hefty DUI charge if you get behind the wheel. Illinois law is strict with offenders and merciless with repeat offenders. The trick is not to get so drunk that you become a hazard on the road. Here are some tips on responsible drinking that can prevent that from happening: Don’t Drink When You ...

The Role of Deficiency Judgments in Foreclosures

The foreclosure process in Illinois or any state, can be a long and tiring endeavor. As a borrower, you may have to deal with financial difficulties – even after it is over and done with. Lenders can also put a deficiency judgment against you to acquire outstanding funds of the loan after the foreclosure. What are Deficiency Judgments? Lenders seek deficiency judgment when the owed debt is higher than the sale price of a foreclosed property, which will not cover the amount of debt you owe. The court may tell you to make this payment if th...

Why You Should Opt for Short Sales in Illinois Rather Than Foreclosure

Are you unable to pay for your home and fearing foreclosure? If you live in Illinois, you can avoid foreclosure by instead opting for a short sale. This sale sees a property sold for a lower price than the amount currently owed on the mortgage. Your lender may agree to it if you are unable to come up with enough money to pay back the complete amount or if you must move ASAP – for any reason. This is preferable over a foreclosure because if your property is sold for less than the amount owed on the mortgage loan, you may be slapped with a ...

A Brief Real Estate Checklist for Selling Property in Illinois

Are you selling a property in Naperville or Schaumburg, Illinois? If this is the first time selling a property, you may make costly mistakes. Here is a simple checklist you can use as a basic guideline: Finalize the Transaction Agreement The first thing you need to do is work out an agreement with the buyer, including the sale price and contingencies. In some cases, a buyer may refuse to sign a deal until they receive the funds for it or before they sell their previous home. In such cases, the presence of an experienced and meticulous attorney...

What You Need to Know About Chapter 7 Bankruptcy in Illinois

Filing for bankruptcy is never a pleasant experience, but with a professional attorney by your side, the process can be simplified. Here are some things you need to know about filing for Chapter 7 Bankruptcy. If you file for bankruptcy in Illinois, you can make sure some of your property remains safe with certain exemptions. For instance, when you file Chapter 7 bankruptcy, the trustee can sell off property that is not exempt and use the money to pay off creditors, utility bills and loans. However, before you opt for this, you should determine ...

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