Illinois Registered Agent

The Best Registered Agent in Illinois for Consulting Businesses in 2026

Choosing the right registered agent is crucial for your Illinois consulting business. Find the top options and ensure seamless compliance.

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On this page · 9 sections
  1. Why Your Illinois Consulting Business Needs a Registered Agent
  2. What Does a Registered Agent Do for a Consulting Business in Illinois?
  3. Illinois Registered Agent Requirements for Consulting Firms
  4. How to Choose the Best Registered Agent for Your Consulting Business
  5. Top Registered Agent Services for Illinois Consulting Businesses
  6. Registered Agent Service vs. In-House for Consulting Firms
  7. Understanding the Cost of a Registered Agent in Illinois
  8. Ensuring Compliance with Your Registered Agent in Illinois
  9. Switching Your Registered Agent in Illinois

Why Your Illinois Consulting Business Needs a Registered Agent

As a consulting business operating in Illinois, you're navigating a landscape where precision, professionalism, and adherence to legal standards are paramount. The State of Illinois mandates that every business entity, including LLCs and corporations formed or registered to do business within its borders, must designate and maintain a registered agent. For your consulting firm, this isn't just a bureaucratic hurdle; it's a foundational element of legal compliance and operational integrity. The registered agent serves as the official point of contact for your business, receiving crucial legal documents, official government correspondence, and service of process (lawsuit notifications) on your behalf. Failing to maintain a registered agent can lead to serious consequences, including administrative dissolution of your business by the state, hefty fines, and potential loss of liability protection, which is especially critical for consultants who may face unique professional liabilities. Imagine a lawsuit being filed against your consulting firm; without a reliable registered agent, you might miss the notification, leading to a default judgment against you. This underscores the importance of selecting a service that offers reliability, professionalism, and a clear understanding of Illinois' specific business laws. The registered agent ensures that your business remains in good standing with the Illinois Secretary of State and is accessible for legal and official communications. For a consulting business, where reputation and client trust are key, a missed legal notice can have ripple effects far beyond the immediate legal issue. It can damage your professional standing and client relationships. Therefore, understanding the role and requirements of a registered agent in Illinois is the first step toward safeguarding your business's future and ensuring you can focus on delivering exceptional value to your clients without the looming threat of compliance failures. This commitment to compliance is what separates thriving businesses from those that struggle to stay afloat. By proactively addressing this requirement, you demonstrate a commitment to professionalism that resonates with clients and stakeholders alike. The state requires this for a reason – to ensure there's always a reliable channel for official communication, preventing businesses from becoming unreachable and evading their legal responsibilities. Your consulting practice thrives on clear communication and reliable delivery; your registered agent ensures your business itself receives the critical communications it needs to operate legally and smoothly within Illinois.

What Does a Registered Agent Do for a Consulting Business in Illinois?

The role of a registered agent for your Illinois consulting business is multifaceted, extending beyond simply receiving mail. Their primary and most critical function is to act as the official point of contact for your business with the state government and the legal system. This involves receiving Service of Process (SOP), which is the formal notification of a lawsuit or legal action filed against your company. When a plaintiff's attorney or a process server needs to deliver legal documents, they are legally obligated to serve them to your registered agent at their designated physical address in Illinois during business hours. The registered agent then has the responsibility to promptly notify you of the received documents. This timely notification is absolutely vital. Missing a lawsuit summons or legal notice can result in a default judgment against your business, meaning you could lose the case simply because you weren't aware it was happening. For a consulting firm, where intellectual property, client contracts, and professional advice are core services, such legal entanglements can be particularly damaging. Beyond legal documents, the registered agent also receives official state correspondence, such as annual report reminders, tax notices, or other important communications from the Illinois Secretary of State or other state agencies. These notices often contain critical deadlines for filings or payments, and failure to act on them can lead to penalties, late fees, or even the dissolution of your business. Many registered agent services also offer additional benefits tailored to businesses like yours. These can include mail forwarding services for non-legal business mail, compliance monitoring tools to help you stay on top of filing deadlines, and access to online portals where you can manage your business information and view important documents. For a consulting business that might have remote team members or frequently travel to meet clients, having a stable, physical address for official mail and legal notices is invaluable. It ensures that no matter where your consultants are physically located, your business remains legally accessible and compliant. The registered agent acts as a shield, ensuring that official communications reach you reliably, protecting your business from inadvertent compliance failures and allowing you to concentrate on client work and business growth. They provide a consistent, professional presence for your business in the state, which is essential for maintaining good standing and avoiding operational disruptions. Think of them as your business's official mailbox and notification center for all things legal and governmental.

Illinois Registered Agent Requirements for Consulting Firms

Illinois law, specifically the Illinois Business Corporation Act and the Limited Liability Company Act, outlines clear requirements for registered agents. Every business entity registered to operate in Illinois must have a registered agent with a physical street address within the state. This is often referred to as a 'physical presence' or 'registered office.' A P.O. Box is not sufficient for this purpose; a physical location where legal documents can be reliably delivered during normal business hours is mandatory. The registered agent must be an individual resident of Illinois or a business entity authorized to do business in Illinois. If the agent is an individual, they must be at least 18 years old. If it's a business entity, it must be properly registered with the Illinois Secretary of State. For consulting businesses, choosing an agent that meets these criteria is non-negotiable. The registered agent is responsible for receiving and forwarding Service of Process (SOP) and other official state communications. Failure to meet these requirements can lead to administrative penalties and even the dissolution of your business. The Illinois Secretary of State's office maintains records of registered agents for all businesses. When you form your LLC or corporation, or when you register as a foreign entity doing business in Illinois, you must provide the name and registered office address of your chosen agent. If your registered agent resigns or moves, you are legally obligated to update this information with the state promptly. This might involve filing a Statement of Change of Registered Agent or Registered Office. The state requires this to ensure there is always a consistent and reliable point of contact for legal and official matters. For consultants, this means ensuring your agent's address is one where someone will reliably be present during business hours (typically 9 AM to 5 PM, Monday through Friday, excluding state holidays). This is why many consulting businesses opt for professional registered agent services rather than designating an individual employee or using their own office, especially if their work requires frequent travel or remote operations. A professional service guarantees availability and adherence to these specific state requirements, minimizing the risk of missed communications. The state views this role as critical for the proper functioning of the legal and administrative systems concerning businesses operating within its jurisdiction. Adhering to these rules protects your business from potential legal oversights and maintains your entity's good standing. It’s a foundational requirement for doing business legally in Illinois.

How to Choose the Best Registered Agent for Your Consulting Business

Selecting the right registered agent service is a critical decision for your Illinois consulting business. It's not just about fulfilling a legal requirement; it's about ensuring reliability, security, and efficiency. Here’s a breakdown of key factors to consider:

1. Reliability and Professionalism: This is paramount. The agent must have a physical street address in Illinois and be available during standard business hours to receive official mail and legal documents. Look for established companies with a proven track record. For consulting firms, where reputation is everything, a missed legal notice can be catastrophic. Ensure the service has robust systems for notifying you immediately upon receipt of any official correspondence.

2. Service Area and Scope: Confirm the service operates throughout Illinois and can handle all types of official mail and legal documents. Some services might specialize or have limitations. Since you're operating in Illinois, an Illinois-based registered agent is essential.

3. Additional Services: Many registered agents offer more than just the basic service. Consider what else your consulting business might need:

  • Mail Forwarding: If you don't want your official business address to be your home or a co-working space, a registered agent can forward your mail. This is crucial for maintaining privacy and a professional image.
  • Compliance Monitoring: Some services provide alerts and reminders for important state filings, helping you stay compliant with annual reports and other deadlines. This can be a lifesaver for busy consultants.
  • Document Management: Access to an online portal to view scanned documents and manage your business information can be very convenient.

4. Privacy: Using a registered agent service keeps your personal address off public records. This is particularly important for consultants who may work from home or wish to maintain a clear separation between their personal and business lives. The registered agent's address becomes your business's official public address for state purposes.

5. Cost and Value: Registered agent services typically range from $100 to $300 per year. Compare pricing, but don't choose solely based on the lowest cost. Evaluate the features, reliability, and overall value offered. Lovie, for instance, includes registered agent services as part of its comprehensive $29/month plan, bundling formation, registered agent, compliance monitoring, and more, offering significant value.

6. Customer Support: When you have questions or need assistance, responsive and knowledgeable customer support is essential. Check reviews or ask about their support channels (phone, email, chat).

By carefully evaluating these factors, you can choose a registered agent service that not only meets Illinois' legal requirements but also supports the smooth and secure operation of your consulting business, allowing you to focus on growth and client success. A reliable partner here prevents headaches down the line.

Top Registered Agent Services for Illinois Consulting Businesses

Choosing the right registered agent is a critical step for any Illinois consulting business. While many services are available, some stand out for their reliability, comprehensive features, and value. Here are a few leading options to consider for your consulting firm:

Lovie: For consulting businesses looking for an all-in-one solution, Lovie offers a compelling package. Their $29/month plan includes formation filing assistance, registered agent services, EIN registration, digital mail, and compliance monitoring. This integrated approach simplifies business setup and ongoing compliance, making it an efficient choice for consultants who want to streamline operations. Lovie prepares and submits filings, providing a straightforward path to compliance.

Northwest Registered Agent: Known for its strong focus on privacy and security, Northwest offers reliable registered agent services nationwide. They provide a dedicated compliance specialist for each client and a user-friendly online dashboard. Their service includes mail forwarding and prompt notification of legal documents, which is invaluable for consulting businesses concerned about maintaining a professional image and protecting sensitive information. Their annual fee is competitive, and their customer support is highly regarded.

ZenBusiness: ZenBusiness provides a range of business formation services, including registered agent services, often at competitive price points. They offer a user-friendly platform, prompt document delivery, and helpful compliance tools. For consulting firms prioritizing ease of use and affordability, ZenBusiness can be a solid choice. They focus on making the process simple and accessible for entrepreneurs.

LegalZoom: A well-established name in the business services industry, LegalZoom offers registered agent services as part of its broader suite of offerings. They provide a physical address in Illinois, mail forwarding, and compliance alerts. While often more expensive than some competitors, their brand recognition and extensive service catalog can be appealing to consultants seeking a comprehensive solution from a single provider.

Harbor Compliance: Harbor Compliance positions itself as a more robust solution, particularly for businesses with complex compliance needs. They offer advanced features, including entity management tools, compliance calendars, and dedicated account managers. For consulting firms anticipating significant growth or operating in highly regulated sectors, Harbor Compliance provides a high level of support and expertise.

When evaluating these options for your consulting business in Illinois, consider your specific needs. Are you looking for the most affordable option, the most comprehensive feature set, or the best privacy protections? Lovie's integrated model is ideal for those wanting a simplified, all-inclusive service. Northwest excels in privacy and dedicated support. ZenBusiness offers great value and ease of use. LegalZoom provides a familiar, broad service offering. Harbor Compliance caters to more complex needs. Remember to check current pricing and specific features, as these can change. The key is to find a service that provides peace of mind and ensures your consulting business remains compliant and protected.

Registered Agent Service vs. In-House for Consulting Firms

As a consulting business owner in Illinois, you have a choice when it comes to fulfilling the registered agent requirement: hire a professional registered agent service or designate an individual in-house to serve as your agent. Each approach has its own set of advantages and disadvantages that are worth carefully considering.

Professional Registered Agent Service: Pros: Reliability: Professional services have dedicated staff and physical offices designed to receive legal documents during business hours, ensuring you never miss a critical notice. Privacy: They provide a commercial address, keeping your home address or your firm's primary office address off public records. This is crucial for consultants who value privacy or operate remotely. Convenience: They handle the receipt and forwarding of all official mail and legal documents, freeing up your time to focus on clients and business strategy. Many offer online portals for document access and compliance reminders. Expertise: These services are experts in compliance and understand the nuances of state requirements, minimizing the risk of errors or missed deadlines. Availability: They are always available during business hours, regardless of your travel schedule or your team's location. Cons: Cost: There is an annual fee associated with these services, typically ranging from $100 to $300 per year.

In-House Registered Agent: Pros: Cost Savings (Potentially): If you designate an existing employee or yourself, there's no direct annual fee for the service itself. Direct Control: You have direct access to all incoming legal and official documents. Cons: Reliability Concerns: Can an employee always be at the designated address during business hours? What happens if they are sick, on vacation, or leave the company? Missing a critical legal notice due to an in-house agent's absence can have severe consequences. Privacy Issues: If you use your home address or your primary consulting office, this information becomes public record. This can lead to unwanted mail, solicitations, or even personal safety concerns. Logistical Challenges: Requires someone to be consistently present at the registered office. If your consulting business involves frequent travel or remote work, this can be difficult to manage. Lack of Expertise: In-house staff may not be fully aware of all compliance requirements or the urgency associated with certain legal documents. * Potential Conflicts: Asking an employee to be the registered agent can create potential conflicts, especially if they are the one served with a lawsuit against the company.

For most consulting businesses, especially those that are growing, operate remotely, or prioritize privacy and reliability, a professional registered agent service is the superior choice. While there's an annual cost, the peace of mind, protection from liability, and convenience it offers far outweigh the potential savings of an in-house solution. It ensures your business remains compliant and protected, allowing you to concentrate on what you do best: consulting.

Understanding the Cost of a Registered Agent in Illinois

The cost of a registered agent service in Illinois for your consulting business is a factor many entrepreneurs consider. While the state itself does not charge a separate fee specifically for the registered agent beyond the initial formation or annual report filings, engaging a professional service provider comes with an annual charge. These fees are generally quite reasonable when weighed against the risks of non-compliance and the convenience offered.

Typical Cost Range: Most reputable registered agent services in Illinois charge an annual fee that typically falls between $100 and $300. This price covers the core service: maintaining a physical street address in Illinois and receiving legal documents and official state correspondence on your business's behalf.

Factors Influencing Cost: Several factors can influence the price you pay: Included Services: Basic services might just include the registered office and mail forwarding. More comprehensive packages may bundle in compliance alerts, access to an online portal, document scanning, and even basic business legal templates. Services like Lovie integrate registered agent duties into a broader, affordable monthly plan ($29/mo) that covers formation, EIN, and compliance monitoring, offering exceptional value. Provider Reputation and Features: Established providers with a strong reputation for reliability, advanced technology, and excellent customer support might charge slightly more. However, this often reflects a higher level of service and security. * Bundled Packages: Some companies offer discounts if you use their services for business formation or annual report filings in addition to registered agent services.

What You're Paying For: It's important to understand what the annual fee covers: A Physical Presence: A designated street address in Illinois, available during business hours. Receipt of Legal Documents: Professional handling and prompt notification of Service of Process (lawsuit notices). Receipt of Official Mail: Receiving tax notices, annual report reminders, and other critical communications from the Illinois Secretary of State and other government agencies. Mail Forwarding: Forwarding of any non-legal business mail received at the registered office address to your preferred location. * Privacy: Keeping your personal or business operating address off public records.

Is It Worth the Cost? Absolutely. For an annual cost that often amounts to less than a dollar a day, you gain significant benefits: Peace of Mind: Knowing that critical legal and official documents are being handled reliably. Compliance Assurance: Minimizing the risk of fines, penalties, or even business dissolution due to missed deadlines or notices. Professional Image: Maintaining a consistent, professional business address. Time Savings: Allowing you to focus on running and growing your consulting practice.

When comparing prices, always look at the total value. A slightly higher fee for a more reliable service with better features can be a worthwhile investment for your consulting business's long-term health and security. Lovie's integrated model provides a particularly cost-effective solution for startups and small consulting firms.

Ensuring Compliance with Your Registered Agent in Illinois

Maintaining compliance is non-negotiable for any business operating in Illinois, and your registered agent plays a pivotal role in this process. The registered agent acts as the official conduit between your consulting business and the state, ensuring that you receive timely notifications critical for staying compliant. By law, your business must have a registered agent with a physical address in Illinois to receive Service of Process (SOP) and official correspondence from the Secretary of State. Failure to maintain a registered agent or ensure they can perform their duties can lead to severe consequences, including administrative dissolution of your business, significant fines, and the potential loss of liability protection.

Key Compliance Functions of a Registered Agent: Receiving Service of Process: This is arguably the most critical function. If your consulting firm is sued, the plaintiff must serve the legal documents to your registered agent. Prompt receipt and notification by the agent are essential for mounting a timely legal defense. Missing this notification can result in a default judgment against your business. Receiving Official State Mail: The Illinois Secretary of State and other agencies will send important notices regarding your business's status, tax obligations, and filing deadlines to your registered agent's address. This includes reminders for annual reports, which are mandatory for maintaining your business's good standing. * Maintaining Accurate Records: Your registered agent ensures that the state has the correct contact information for your business. If your registered agent resigns or changes their address, you must update this information with the state promptly. A professional service handles these updates efficiently.

How a Registered Agent Service Enhances Compliance: Professional registered agent services are designed to ensure compliance. They offer: Consistent Availability: Their offices are open during standard business hours, guaranteeing that legal documents and official mail are received. Prompt Notifications: Reputable services have systems in place to immediately notify you upon receiving any important documents, often via email and through an online portal. Compliance Tools: Many services provide compliance calendars, reminders for filing deadlines (like annual reports), and resources to help you navigate state requirements. Privacy Protection: By using a commercial address, they help protect your personal information from public disclosure, which is vital for consultants.

Lovie's Role in Compliance: Platforms like Lovie simplify compliance by integrating registered agent services with other essential functions. For a low monthly fee, Lovie not only provides registered agent services but also assists with formation filings, EIN registration, and compliance monitoring. This holistic approach ensures that critical aspects of your business's legal standing are managed proactively, reducing the burden on you as a consultant. They help prepare and submit necessary documents, keeping you informed of upcoming deadlines and requirements. By choosing a reliable registered agent, whether through a dedicated service or an integrated platform like Lovie, you are taking a crucial step toward ensuring your Illinois consulting business operates smoothly, legally, and without interruption. This proactive approach to compliance is fundamental to long-term success and protects the integrity of your business.

Switching Your Registered Agent in Illinois

As your consulting business grows or your needs change, you might find yourself needing to switch your registered agent in Illinois. Perhaps your current agent isn't meeting your expectations for reliability, or you've found a more comprehensive service provider. Fortunately, Illinois provides a straightforward process for making this change, ensuring your business maintains continuous compliance.

The primary document for changing your registered agent is the Statement of Change of Registered Agent or Registered Office (Form BCA 14.35 for corporations, or LLC 14.35 for LLCs). This form must be filed with the Illinois Secretary of State.

Here’s a step-by-step guide to switching your registered agent:

1. Choose Your New Registered Agent: Before you file any paperwork, select and confirm your new registered agent. Ensure they have a physical street address in Illinois and are prepared to accept service of process and official mail on your behalf. It's wise to review their services, reliability, and pricing to ensure they meet your consulting business's needs. Services like Lovie offer integrated registered agent services as part of their comprehensive packages, simplifying the transition.

2. Appoint the New Agent: Your new registered agent will need to consent to serve. Typically, the new agent will provide you with the necessary information (their name and Illinois street address) to complete the state filing.

3. File the Statement of Change: Complete the Illinois Statement of Change of Registered Agent or Registered Office form. This form requires specific information about your business, including its name and file number, the name and address of the current registered agent, and the name and address of the new registered agent. You can usually file this form online through the Illinois Secretary of State's website, by mail, or in person. There is typically a filing fee associated with this form, which can change but is currently $25 for online filings.

4. Ensure Continuous Coverage: It is crucial that there is no lapse in registered agent coverage. File the Statement of Change as soon as possible after confirming your new agent. The change typically becomes effective when the Secretary of State files the statement, or on a later date specified in the filing. The outgoing agent's responsibilities generally end upon the effective date of the change. However, to avoid any potential issues, coordinate the transition closely with both your old and new agents.

5. Update Internal Records: Once the change is officially filed with the state, update your internal records to reflect the new registered agent's information. Inform relevant parties within your consulting business about the change.

Why Switch? Common reasons for switching include: Poor Service: Unreliable notification, difficulty reaching the agent, or unprofessional conduct. Cost: Finding a more affordable service or a provider offering better value. Additional Services: Needing features like advanced compliance tools, mail scanning, or a more robust online platform. Relocation: If your business moves its primary operations and needs a registered agent in a different part of the state or requires a more professional address.

Switching your registered agent is a standard business procedure. By following the correct steps and filing the necessary documentation with the Illinois Secretary of State, you can ensure your consulting business remains compliant without interruption.

Frequently asked questions

Can I be my own registered agent for my consulting business in Illinois?

Yes, you can legally serve as your own registered agent for your consulting business in Illinois, provided you meet the state's requirements. This means you must have a physical street address in Illinois (not a P.O. Box) and be available at that address during normal business hours (typically 9 AM to 5 PM, Monday through Friday) to accept Service of Process and official state mail. While this option avoids the annual fee of a professional service, it comes with significant considerations. You must ensure you are always reachable and attentive to official communications. Missing a legal notice or a critical state filing deadline due to personal absence can lead to serious consequences like default judgments or administrative dissolution. Many consultants find that the privacy, reliability, and peace of mind offered by a professional registered agent service outweigh the potential cost savings of acting as their own agent, especially if their work involves travel or remote operations.

What happens if my consulting business in Illinois doesn't have a registered agent?

Operating without a registered agent in Illinois is a serious compliance violation with significant repercussions for your consulting business. The Illinois Secretary of State requires all registered business entities to maintain a registered agent to ensure they can be reliably contacted for legal and official matters. If your business is found to be non-compliant, the state can impose penalties, including fines. More critically, the Illinois Secretary of State has the authority to administratively dissolve your business. This means your LLC or corporation could be shut down by the state, ceasing its legal existence. This dissolution can result in the loss of liability protection, making your personal assets vulnerable to business debts and lawsuits. Furthermore, missing Service of Process or official notices can lead to default judgments in legal cases, which can be financially devastating. It is essential to designate and maintain a registered agent to avoid these severe outcomes.

How often does my Illinois consulting business need to update its registered agent information?

Your Illinois consulting business must update its registered agent information with the Secretary of State whenever there is a change. This includes situations where your current registered agent resigns, moves their registered office to a new address within Illinois, or if you decide to switch to a different registered agent service. The change must be formally filed using the appropriate Statement of Change form (available for LLCs and corporations). While there isn't a fixed frequency for updates (like annually), it's imperative to file the change promptly after a change occurs. Failure to keep this information current can lead to compliance issues, as official communications might be sent to an outdated address or to a non-existent agent, potentially causing your business to miss critical notifications and fall out of good standing with the state.

Can a P.O. Box be used as a registered agent address in Illinois for my consulting firm?

No, a P.O. Box cannot be used as a registered agent address in Illinois. State law requires that a registered agent maintain a physical street address within Illinois. This physical location is where legal documents, such as Service of Process (summons and complaints), and official correspondence from the Secretary of State must be delivered during normal business hours. P.O. Boxes are considered mail forwarding services or postal facilities and do not meet the requirement for a physical, accessible location for official service. Your registered agent must have a street address where a person can physically receive documents. This is a fundamental requirement to ensure businesses remain accessible for legal and governmental communication.

What is the difference between a registered agent and a business mailing address for a consulting business?

The key difference lies in their purpose and legal standing. A registered agent's address is a legal requirement and serves as the official point of contact for your business with the state government and the court system. This address must be a physical location in Illinois, available during business hours, solely for receiving Service of Process and official state notices. A business mailing address, on the other hand, is where you receive general business mail, such as client correspondence, invoices, and marketing materials. It can be a P.O. Box, a home office, or a commercial mail receiving agency. While some registered agent services offer mail forwarding, their primary role is legal and governmental communication, not general business correspondence. It's crucial that your registered agent's address is public record for legal purposes, while your mailing address can be kept more private depending on your needs.

Does Lovie provide legal advice regarding registered agent services in Illinois?

No, Lovie does not provide legal advice. Lovie is a technology platform that assists with business formation and compliance tasks. While Lovie prepares and submits filings, including those related to registered agent designation, and offers registered agent services as part of its comprehensive plan, it is not a law firm. The information provided on Lovie's platform and in its resources is for informational purposes only and should not be considered a substitute for advice from a qualified legal professional. If you have specific legal questions regarding your consulting business's obligations or the implications of registered agent requirements in Illinois, you should consult with an attorney licensed in Illinois.

Omer Aydin

Omer Aydin

Head of LegalTech at Lovie

Omer Aydin is the Head of LegalTech of Lovie, the AI-powered company-formation platform for founders who want to skip the paperwork and start building. He has spent the last decade shipping consumer and SaaS products, and now leads Lovie's effort to make business formation, EIN registration, registered-agent service, and ongoing compliance feel as simple as a conversation. Articles authored by Omer reflect direct experience helping thousands of founders incorporate LLCs and C-Corps across all 50 states.

Lovie is not a government agency, law firm, or professional advisory organization. Lovie is a private business-formation service that prepares and submits filings to the appropriate state agencies on your behalf — we do not issue government documents, and state approval times are not controlled by Lovie. Information on this page is general and not legal, tax, or financial advice.