Illinois probate can take 6 months to 2+ years. Get your inheritance advance in as little as 48 hours.
Illinois handles probate through circuit courts under the Illinois Probate Act (755 ILCS 5/). The state distinguishes between "supervised" and "independent" administration. Below is a general overview — consult an Illinois probate attorney for specific guidance.
Filing and appointment (weeks 1-4). The executor files in the circuit court of the county where the deceased resided.
Creditor claim period (6 months). Illinois provides creditors at least 6 months to file claims — a key reason even simple estates take months.
Inventory (within 60 days). The executor must file an inventory of estate assets within 60 days of appointment.
Administration (months 2-12+). Managing property, paying debts, filing taxes.
Distribution (months 8-24+). Simple estates with independent administration may close in 8-12 months. Complex estates take 18-24 months or longer.
Independent administration is the default if the will allows it, giving the executor broad authority without court approval for most actions.
Small estate affidavit available for estates with personal property under $100,000 (no real estate).
State estate tax applies only to estates exceeding $4 million.
Cook County (Chicago) typically has longer processing times due to high caseload.
The mandatory creditor period alone means months of waiting. An inheritance advance provides funds in 48 hours — no credit check, no monthly payments.
Get a free quote or call (800) 617-7260.
Disclaimer: This page is for general informational purposes only and does not constitute legal, financial, or tax advice. Probate laws, timelines, and costs vary significantly by state and by individual circumstances. We strongly encourage you to consult with a qualified attorney or financial advisor for guidance specific to your situation. First Heritage Funding is not a law firm and does not provide legal services.
Simple estates: 8-12 months. Complex or Cook County estates: 18-24 months or longer.
Yes — through trusts, beneficiary designations, joint ownership, or the small estate affidavit for qualifying estates.
No inheritance tax. Illinois has an estate tax only for estates exceeding $4 million.
Yes. We work with Illinois heirs statewide, regardless of county.
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