Estate planning · Illinois
Probate and Estate Administration Attorney — Chicago and Cook County
Opening, administering and closing an estate at the Daley Center, and the small estate affidavit when a court case is not needed.
Firm particulars
- Attorney
- Hani H. Khatib, Attorney at Law · CPA · LL.M. (Taxation)
- Office
- 6600 W College Dr, Ste 207, Palos Heights, IL 60463
- Hours
- Monday to Friday, 9:00 a.m. to 5:00 p.m.
- Telephone
- (708) 722-2222
- info@khatiblaw.com
- Probate court
- Daley Center, Cook County Probate Division
- Accreditation
- BBB Accredited since April 2022 · A+
Start here
Is this you?
A parent died owning a home in Oak Lawn, Orland Park or Chicago in their name alone, and the bank will not talk to you.
You are named executor in a will and have no idea what the job involves or what you are personally responsible for.
There is no will, and the family is not sure who inherits or who should be in charge.
The estate is small, and you have heard about an affidavit that avoids court.
You are the successor trustee of a trust and have found assets that were never put into it.
Is a case needed?
When probate is required in Illinois
Probate is needed for assets the decedent owned in their sole name with no beneficiary and no surviving joint owner, when those assets cannot be collected by affidavit. Two facts decide it. First, any real estate titled in the decedent's name alone requires a case; the affidavit does not transfer land. Second, personal property passing by will or intestacy that exceeds $150,000, not counting motor vehicles registered with the Secretary of State, requires letters of office. That limit applies to deaths on or after August 15, 2025 under 755 ILCS 5/25-1; for earlier deaths it was $100,000.
Assets held in a funded revocable trust, accounts with a named beneficiary, joint tenancy property and real estate covered by a recorded transfer on death instrument pass outside probate no matter their value. The first thing we do is sort the decedent's assets into those two groups.
Small estates
The Illinois small estate affidavit
If the estate fits under the limits above and no one has applied for letters of office, an heir or legatee can sign the small estate affidavit in 755 ILCS 5/25-1 and present it to the bank, brokerage or transfer agent, which must then pay or deliver the property to the people named in it. The person who signs swears to the heirs, the debts and the values, must pay funeral expenses and claims in the statutory order, and is personally liable to creditors and to anyone shortchanged, so we prepare the affidavit, check the heirship and the claims, and tell you when the facts call for a court case instead. The form, the $150,000 limit and the vehicle rule are explained step by step in our guide to the Illinois small estate affidavit.
Two kinds of case
Independent vs supervised administration
| Aspect | Independent administration | Supervised administration |
|---|---|---|
| Statute | 755 ILCS 5/28-1 and following | The rest of the Probate Act |
| Court involvement | Only where the Act or an interested person requires it | Court approves sales, claims, accounts and distribution |
| How it is granted | Default under 755 ILCS 5/28-2 unless the will forbids it or an interested person objects | By petition, or on an interested person's request under 755 ILCS 5/28-4 |
| Closing | Verified final report and an accounting mailed to interested persons under 755 ILCS 5/28-11 | Court-approved final account |
| Cost and time | Lower | Higher, and every hearing adds weeks |
Most Cook County estates run independently. A will that names an independent executor and waives bond is the single most useful thing a decedent can leave the family.
Process
How a Cook County probate case moves
Petition and heirship
Usually within two to three weeks of the first meeting · filed through eFileIL
We file a petition for probate of the will and for letters, or for letters of administration when there is no will, with an affidavit of heirship, in the Probate Division. The clerk's new-case fee for a decedent's estate is $479 under the schedule effective October 1, 2025.
Letters of office
Usually a few weeks after filing · set by the court's calendar and notice to heirs
Notice goes to heirs and legatees, and the court admits the will, if there is one, on the self-proving affidavit or witness testimony under 755 ILCS 5/6-4, appoints the representative and issues letters. From that date the representative can collect accounts, open an estate account and deal with the house.
Notice to creditors
Begins once letters issue · claim date at least six months after first publication
The representative publishes once a week for three successive weeks in a Cook County newspaper and mails or delivers notice to every known creditor, under 755 ILCS 5/18-3. The notice states a claim date not less than six months after first publication or three months after mailing, whichever is later.
Inventory and administration
Inventory usually within 60 days of letters · administration runs through the claim period
A verified inventory of real and personal estate is due within 60 days of letters under 755 ILCS 5/14-1 and is filed in supervised estates; in independent administration it is prepared and furnished to interested persons on request. The representative values the assets, sells what must be sold, pays valid claims, and files the tax returns described below.
Distribution and closing
Usually month seven onward · after the claim date passes and taxes are settled
The representative distributes to the heirs or legatees, obtains receipts, and files a verified final report under 755 ILCS 5/28-11 with an accounting mailed to interested persons. The court discharges the representative.
Timeline
How long probate takes, and why
The clock is set by the creditor claim period. Because the claim date cannot be earlier than six months after the first publication, and publication cannot begin until letters issue, no Illinois estate can responsibly close in under about seven months. A simple independent administration with one house and a few accounts commonly finishes within a year of the death; a house to sell, a business, an estate-tax return, a missing heir or a dispute between siblings each add months. The stages, and what delays each one, are in How long does probate take in Cook County?.
Cook County probate cases are filed in the Probate Division of the Circuit Court, because 755 ILCS 5/5-1 sends the case to the county where the decedent lived. The Clerk's Probate Division is in Room 1202 of the Richard J. Daley Center, 50 West Washington Street, Chicago, IL 60602; the phone is (312) 603-6441 and the office is open Monday through Friday from 8:30 a.m. to 4:30 p.m. Filing is electronic through eFileIL, and most routine matters are handled from our office without a trip downtown. The venue is the same whether the decedent lived in Palos Heights, Tinley Park or Chicago.
The representative is a fiduciary. The core duties are:
- secure and inventory the assets, and keep estate money in a separate estate account;
- publish and mail notice to creditors, then pay valid claims in the statutory order;
- file the decedent's final returns and the estate's returns, and keep a record of every receipt and payment;
- distribute only after the claim period has run and the taxes are settled.
A representative who distributes early and then faces a valid claim pays it personally. Our role is to prepare every filing, calendar every date, and tell the representative in writing what to do and what not to do. Will contests and disputes among heirs are a separate kind of matter; tell us at the first call and we will say whether it is something we handle.
Claims
Creditor claims
Creditors file claims with the representative or the court. Under 755 ILCS 5/18-12, a claim is barred if notice was published and the creditor missed the claim date, if the representative mailed notice of disallowance and the creditor did not sue in time, or in any event two years after death. Claims the representative knows about must be mailed notice, not just published. Funeral expenses, administration expenses and the surviving spouse's and children's statutory awards come ahead of general creditors.
The difference
The tax returns an estate must file
The decedent's final Form 1040 and Illinois IL-1040
for the year of death, and any unfiled prior years. The representative signs them and is responsible for the tax.
Form 1041 for the estate
if the estate has gross income of $600 or more in a tax year, under the IRS instructions, which most estates with an interest-bearing account or a house sale will. The estate needs its own employer identification number and a decision about its fiscal year, and distributions to beneficiaries carry income out on Schedule K-1.
Estate tax returns
Federal Form 706 is due within nine months of death if the gross estate plus adjusted taxable gifts exceeds the basic exclusion amount, $15,000,000 for deaths in 2026, or if the executor elects portability for the surviving spouse. Illinois Form 700 is filed with the Illinois Attorney General on the same date when that total exceeds $4,000,000, whether or not a federal return is required; Illinois has no inheritance tax. Because the probate filings and the tax analysis behind the returns come from one office, the inventory values, the basis step-up under 26 U.S.C. §1014 and the estate-tax numbers all come from one set of figures.
The verifiable court cost is the Clerk's $479 new-case fee for a decedent's estate (CCP-0607, effective October 1, 2025); an interested person who files an appearance pays $250. Publication in a Cook County newspaper, copies of the letters of office, a bond premium if the will does not waive bond, and appraisals when needed are the other out-of-pocket items. Attorney's fees and the representative's fees are paid from the estate, must be reasonable, and are reviewed by the court in supervised administration or on an interested person's request. We quote our fee in writing before filing, and the engagement letter explains what is included.
Next time
Avoiding probate next time
Every probate client asks how to spare their own children the process. The answer is a funded revocable trust for the house and accounts, beneficiary designations checked against the plan, a transfer on death instrument where a trust is more than the situation needs, and a will that names an independent executor and waives bond for whatever is missed. We fold that conversation into the estate work when the family wants it, as part of a complete estate plan.
Call the office before you distribute anything. In that first conversation we can usually tell you whether you need a court case or a small estate affidavit, and what the filing will cost. If the decedent owed back taxes or had unfiled returns, say so; that is handled through our tax practice as part of the same engagement.
Questions
Questions we are asked
How long does probate take in Cook County?
At least seven months, and usually longer. The representative must publish notice to creditors for three weeks and give them a claim date no earlier than six months after the first publication under 755 ILCS 5/18-3, so no estate can safely close before that date passes. Add the weeks to get letters issued, the time to sell real estate, and the final income-tax returns, and a straightforward independent administration in Cook County commonly runs most of a year. Disputes among heirs, a federal or Illinois estate tax return, or a business to wind up extend it.
When is probate required in Illinois?
When the decedent left assets in their sole name, with no beneficiary designation or joint owner, that cannot be collected with a small estate affidavit. For deaths on or after August 15, 2025 that means personal property over $150,000 (not counting motor vehicles registered with the Secretary of State), or any real estate titled in the decedent's name alone. Assets in a trust, joint tenancy property, accounts with named beneficiaries and real estate under a recorded transfer on death instrument do not require probate.
What is a small estate affidavit in Illinois?
A sworn form under 755 ILCS 5/25-1 that lets an heir or legatee collect a decedent's personal property without a court case. It is available when no letters of office have been issued or applied for, and the personal estate passing by will or intestacy is $150,000 or less excluding registered motor vehicles, which may be transferred by affidavit regardless of value. The $150,000 limit applies to deaths on or after August 15, 2025; the limit was $100,000 before that. The affidavit cannot transfer real estate, and the person signing it is personally liable for debts and for distributing correctly.
What does an executor do?
The executor (named in the will) or administrator (appointed when there is none) collects the decedent's assets, files the will, obtains letters of office, publishes and mails notice to creditors, inventories the estate, pays valid claims and taxes, files the decedent's final income-tax return and the estate's returns, sells property if needed, and distributes what is left to the heirs or legatees. In independent administration most of this is done without court orders, but the representative is accountable to every interested person and can be required to account to the court.
How much does probate cost in Illinois?
The Clerk of the Circuit Court of Cook County charges $479 to open a decedent's estate under its October 1, 2025 fee schedule, plus publication costs, copies of the letters of office, and a surety bond premium if the will does not waive bond. Attorney's fees and the representative's fees are paid from the estate and must be reasonable; the court reviews them in supervised administration and on request in independent administration. We quote our fee in writing at the start, and in most estates it is the largest single cost, which is why a funded trust is usually cheaper for the family than a probate case.
Where is probate filed in Cook County?
In the Probate Division of the Circuit Court of Cook County. The clerk's office is at the Richard J. Daley Center, 50 West Washington Street, Room 1202, Chicago, IL 60602, phone (312) 603-6441, open Monday through Friday 8:30 a.m. to 4:30 p.m. Lawyers file electronically through eFileIL. The original will must be filed with the clerk immediately after death under 755 ILCS 5/6-1, even if no estate will be opened.
What is the difference between independent and supervised administration?
Under Article XXVIII of the Probate Act, 755 ILCS 5/28-1 and following, an independent representative administers the estate without court orders or filings except where the Act or an interested person requires them. The court grants it unless the will forbids it or an interested person asks for supervision. Supervised administration requires court approval of major steps and a court-approved accounting. Independent is faster and cheaper; supervised gives heirs who distrust the representative, or a representative who wants court cover, a judge's sign-off.
Do I need a lawyer to probate an estate in Illinois?
An individual may represent themselves in their own matter, but a representative acting for an estate in the Probate Division is generally expected to appear through a lawyer, because the representative is acting for others, and the clerk's instructions for opening an estate are written for lawyers filing through eFileIL. The practical reason is liability: a representative who distributes before the claims period ends, misses a tax return, or pays the wrong heirs is personally responsible. For a small estate affidavit you may not need a lawyer at all, and we will say so if that is your situation.
Related
Related services
Trusts
How does a revocable living trust avoid probate in Illinois?
Which trust you need, what it will and will not do under the Illinois Trust Code, and the deeds, retitling and tax work that make it function.
Revocable, irrevocable, special needsWills
What makes a will valid in Illinois?
A will that meets the Illinois Probate Act's signing rules, names the right people, and fits the rest of your plan, drafted and witnessed in our Palos Heights office.
Illinois wills attorneyTransfer on death instruments
What is a transfer on death instrument (TODI) in Illinois?
An Illinois transfer on death instrument names who gets your real estate when you die, takes effect only at death, and costs $59 to record in Cook County. It is the state's version of the transfer on death deed.
Pass the home without probate
Your attorney
Hani H. Khatib
Attorney at Law · CPA · LL.M. (Taxation)
Founder and managing attorney of Khatib Law LLC, established in Palos Heights in 2017. An attorney licensed in Illinois and a Certified Public Accountant, he concentrates his practice in estate planning, real estate, tax controversy and small-business matters. About Hani Khatib
Request a consultation
Tell us what you are facing.
A sentence or two is enough to start. We will tell you what the first meeting involves, and whether there is a charge for it, before you commit to anything.
(708) 722-2222
Monday to Friday, 9:00 a.m. to 5:00 p.m. · 6600 W College Dr, Ste 207, Palos Heights
What happens next
Your message goes to the firm’s office, not a call centre.
If you mention a deadline, it is read first.
We run a conflicts check and, if we can help, call or email you to set a time.
We confirm the kind of matter and what the first meeting involves, including whether there is a charge for it.
If we go forward, you receive a written engagement letter.
Scope and fee basis in writing before any work begins. Please do not email documents until we have confirmed an engagement in writing.
What to bring to the first meeting
- The original will, not a copy, if there is one.
- An official copy of the death certificate from the county clerk.
- A list of what the decedent owned and how each asset was titled, with rough values.
- Names and addresses of the spouse, children and other close relatives.
- The decedent's last filed tax return and any notices from the IRS or the Illinois Department of Revenue.
