Posts
MONTHLY NEWSLETTER:
I have several friends curious about their heritage, that is—where did their family history start? Okay—I get the attraction.
Where did great great great grandfather live, and so on.
Here’s the deal…I don’t want my DNA uploaded to some foreign or government databank.
Frankly, its probably in a government computer and I don’t know how it got there?
Proving DNA is fairly infallible. But people are not.
I don’t want to get picked up for an aviation disaster in a country I have never been to, in a year for which I was not born.
Paranoid? Maybe. I Don’t care.
Here is a reason to be concerned.
Many companies will take your credit card and see what AI comes up with.
A reason to be concerned?
Here is one.
A company called 23 and Me was in the “ancestry game.” And 23 and Me, filed bankruptcy.
The company has assets. Which you ask?
DNA from thousands of people.
And the company wants to sell customers DNA/genetic profile to the highest bidder.
Right!
I hope China does not bid!
Getting your credit score way up there:
I started practicing law in 1985.
Ronald Reagan was president.
Right from the start, I have tangled with creditors, and credit reports.
Mostly here and there, disputing this and that.
I know how to raise your credit score after bankruptcy.
For me, it's not that hard if folks follow what I suggest. Which also is not hard.
And it takes me about 6 to 8 months to get a score high enough where a car dealer or mortgage lender won’t laugh at you.
Where a Toyota Camry has the same monthly payment as a used high-mileage Subaru.
In the past, I charged $750 for the service.
Until July 30, 2025, I will jack your score up for a flat rate of $500!
Soon, you can go car shopping. 😊
Interested?
Call the office!
-------------------------------------------------
----------------------------------
I can not count how many times I have sat with someone who owes money to ticked off creditors, and he or she has a ton of equity in the home.
Colorado protects $250,000 of equity under 60 years of age--$350,000 if over 60.
Nowadays, it’s easy to have much more equity than those numbers.
Your home belongs to you and someday your children.
It does not belong to creditors who may sue you.
Solution—Berken Cloyes can set up a trust that will defend it against future creditors trying to get its hands on you home.
Call for more information.
303-623-HELP
……………………………………………………
On July 1, 2025, Del Monte Foods filed bankruptcy.
We all grew up with Del Monte canned goods.
Fruit, veggies, snacks.
Its financial problems are related to consumer tastes changing.
Not sure which way?
Organic food?
Anyway—as to its competitors in the food industry, Del Monte failed to ketchup. 😆😆
--------------------------------------------------
----------------------------------
I can not count how many times I have sat with someone who owes money to ticked off creditors, and he or she has a ton of equity in the home.
Colorado protects $250,000 of equity under 60 years of age--$350,000 if over 60.
Nowadays, it’s easy to have much more equity than those numbers.
Your home belongs to you and someday your children.
It does not belong to creditors who may sue you.
Solution—Berken Cloyes can set up a trust that will defend it against future creditors trying to get its hands on you home.
Call for more information.
303-623-HELP
……………………………………………………
On July 1, 2025, Del Monte Foods filed bankruptcy.
We all grew up with Del Monte canned goods.
Fruit, veggies, snacks.
Its financial problems are related to consumer tastes changing.
Not sure which way?
Organic food?
Anyway—as to its competitors in the food industry, Del Monte failed to ketchup. 😆😆
--------------------------------------------------
WHY YOUR CREDIT IS OF UTMOST IMPORTANCE:
