July 4th Driving Statistics

July 4th Driving StatisticsWe all know the Fourth of July as a day to kick back, relax, and celebrate the freedoms that we all take for granted every day. Many of us spend the day with family and friends, enjoying the smell of hamburgers and hot dogs on the grill. This holiday is the perfect reason to get together with people that you care about and have fun. After all, we live in a free United States, so why not celebrate all that has happened in order to get us here?

This all sounds great, right? There is one unfortunate circumstance that many people find themselves dealing with around this holiday weekend—travel. For most, seeing family is not as easy as walking down the street or driving to the next neighborhood over. Most Americans find themselves having to drive quite a distance in order to celebrate this holiday the way that they want to.

With so many Americans traveling during the same, very short time period, there is bound to be some unfortunate complications. Highways are backed up and busy, drivers are getting frustrated and angry, and the excitement for the holiday is quickly replaced by aggression and anxiety. We all want to get to our destination, but we all want to get there as soon as possible, and this can create difficulties. Add in the fact that this is a holiday where a lot of people are staying up late and consuming alcohol, and the roadways become even more dangerous.

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Fun Things to Do in the Summer in Northern Colorado

Fun Things to Do in the Summer in Northern ColoradoSummertime is here again and that means that there is a whole new season of fun things to do here in Northern Colorado. If you are new to the area or just looking for something different than your usual summer plans, here is a list that we have compiled of some of the best things that Northern Colorado has to offer.

Great Outdoors

Here in Northern Colorado, with millions of acres of land, national parks, forests, and state parks, there is so much fun to be had in the great outdoors that sometimes it is hard to fit it all in. Here are some ways to enjoy nature and stay in shape:

  • Hiking: There is a hiking trail for everyone, including beginners and those that plan to go the distance. There are both paved and unpaved trails, including those that offer meadows and grasslands to waterfalls, canyons, and cliffs.
  • Camping: With 42 state parks throughout Colorado, there are plenty of public and private campgrounds to enjoy tent or yurt camping, RV camping, and event cabins. There are even some “glamping” sites now to enjoy a luxurious camping experience for those more inclined toward the motel/hotel overnight experience.
  • Mountain Biking and Cycling: From many mountain trails for biking to cycling events throughout the state, the weather is always the right temperature for getting on your bike.
  • Boating/Water Skiing/Tubing: Although Colorado is a landlocked state, there are plenty of lakes and reservoirs to enjoy boating, water skiing, and tubing. When it comes to water activities, don’t forget whitewater rafting, kayaking, and the slower paced activity of fishing.
  • Golf: There are numerous golf courses throughout Northern Colorado to improve your skills.
  • Horseback Riding: There are lots of dude ranches and horse farms that offer half-day rides or overnight campout adventures in the Colorado wilderness.
  • Motorcycle Touring: With numerous scenic byways and highways, motorcycle tours are available to go together or you can make a weekend of a solo ride through the mountains.
  • Ballooning: You can enjoy a balloon ride and picnic with one of the many ballooning companies in Northern Colorado, or you can try one out at the numerous ballooning festivals held each year, including the summer season. 

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10 Reasons to Stay and Live in Fort Collins, Colorado

10 Reasons to Stay and Live in Fort Collins, ColoradoMaking Fort Collins, Colorado your home has many advantages. Located in the northern part of Colorado, this mid-sized city is located nearby to Denver and is situated next to the Colorado Fort Range of mountains. If you are planning on moving or are looking for somewhere different, here are 10 reasons why you should consider Fort Collins, Colorado.

  1. Award-Winning: Fort Collins was named by Money Magazine as the number one best place to live in the U.S. in 2006 and it received second place in 2006 and sixth place in 2010. Livability voted the city in the top quarter of its 100 best places to live in 2015. Other accolades include number three in College Ranker’s 50 Best College Towns to Live in Forever, number six in NerdWallet’s list of America’s Most Innovative Tech Hubs, a top ten city in the 2014 Digital Cities Survey, ninth best bike city by Bicycling Magazine in 2014, America’s Safest Driving City by Allstate Insurance in 2014, America’s Most Satisfied City by Time Magazine in 2014, and 2nd Best Place for Job Seekers in Colorado by NerdWallet in 2013 just to name a few.
  1. Low Crime Rate: According to, crime in Fort Collins is significantly lower than the national average and has been steadily dropping in terms of violent crime and property crime.
  1. Fresh Air: With 300 days of sunshine each year and a great climate as well as minimal pollution, the area offers some of the freshest air in the country.

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Smart Planning for Building your Ft. Collins Home

Smart Planning for Building your Ft. Collins HomeFort Collins, Colorado is one of the most beautiful cities in the world. Money Magazine even recently ranked it as number six of the best places to live in the United States. Fort Collins, CO, is known for its small town feel, even within a bigger city — in fact, the fourth biggest city in Colorado. The great thing about Fort Collins, CO, is that there are so many things to do especially outside. As part of Northern Colorado it’s close to the Rocky Mountains and has so many fun outdoor activities.

What can I do in Fort Collins, CO?

The possibilities are endless. The Cache La Poudre River, which is Colorado’s only, designated National Wild and Scenic River, where visitors can whitewater raft and spend the day in the sun. The Horsetooth Reservoir is six and a half miles of water surrounded by over 1,800 acres of public land. It’s a great place to go boating and camping.

For a day that going to be spent inside Fort Collins is known for their beer. They are in fact the largest producer of beer in Colorado. This means a lot of breweries, with a lot of different styles. If you want to get some sun while enjoying a beer, there are beer and bike tours that take you to all around the town and also along the Front Range.

Other options for a day inside include a visit to the Fort Collins Museum of Discovery. This is the perfect place to enjoy some family time while learning. Their main exhibit is 16,000 square feet and allows the visitors to see an Ice Age bison.

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If I’m Current on My Mortgage, Can I Keep My House through Chapter 7 Bankruptcy?

Can I Keep My House During Chapter 7 | Loveland, Colorado Bankruptcy Attorney | The Law Office of Chris D. HeftyAs a Loveland, Colorado bankruptcy attorney, I field many questions from clients who are unsure about the bankruptcy process. With each question, I carefully take the time to explain the options in relation to their circumstances, and help them to make the choice that is right for their financial situation.

A frequent question I receive is in regards to home ownership: “If I’m current on my mortgage, can I keep my home in Chapter 7 bankruptcy?”

The answer in most circumstances is yes—if all of your equity in the home is exempt. The next question, of course, is, “What is exempt equity?” [Read more…]

Take a Stroll through the Benson Sculpture Garden in Loveland, CO

Benson Sculpture Garden | Loveland, CO Bankruptcy Attorney | The Law Firm of Chris D. HeftyWith spring in the air in Loveland, Colorado, many of us are eager to get outside. Whether you’re a runner, cyclist, or simply enjoy a walk through the park, I can think of no better way to welcome the warm temperatures than an enjoyable stroll through the Benson Sculpture Garden.

The Benson Sculpture Garden has been one of the most beautiful and diverse locations in Loveland since 1985. There are 139 sculptures on permanent display throughout the park, with pieces that will connect with every taste and age group.

The park is located at 2908 Aspen Drive in Loveland. A map of the Benson Sculpture Garden is available on the Sculpture in the Park website, highlighting the name and location of each sculpture. [Read more…]

Sbarro Files for Chapter 11 Bankruptcy

Sbarro Files Chapter 11 Bankruptcy | Loveland, CO Bankruptcy Attorney | The Law Office of Chris D. HeftyLast time you went to the Park Meadows Mall or Town Center at Aurora, you may have enjoyed a hot slice of pizza from Sbarro. While the friendly face behind the counter may not have tipped you off, the pizza company is experiencing some financial trouble and recently filed for bankruptcy for help.

The pizza chain hopes to secure financing for a streamlined restructuring. The Chapter 11 filing, according to a report from FOX Business, is the second bankruptcy filing in just over two years for the privately owned chain.

Sbarro is based in Melville, New York and has over $140 million in debt. In an effort to cut down on costs, the company announced in February that it plans to shut down 155 of its 400 North American restaurants.  [Read more…]

12 Money Mistakes that will Put You in Debt: Part 2

12 Money Mistakes that Will Put You in Debt | Part 2 | Fort Collins, CO Bankruptcy Attorney | The Law Office of Chris D. HeftyIn my last post, I discussed six mistakes many Americans make with their money that ultimately lands them in serious debt. As an experienced Colorado bankruptcy attorney, I realize not all debt is incurred at the fault of the debtor; in many instances, an unexpected life event, such as surprise medical bills or job loss, can severely hurt your financial well-being.

Unfortunately, there are instances where debt it is accumulated at the fault of the debtor, mostly due to a misunderstanding as to how to best handle their finances.

If you missed the first six money mistakes to avoid, check them out in my last post. As promised, here are the final six tips: [Read more…]

12 Money Mistakes That Will Put You in Debt: Part 1

12 Money Mistakes that will Put You in Debt | Part 1 | Loveland, CO Bankruptcy Attorney | The Law Office of Chris D. HeftyAs a Loveland, Colorado, bankruptcy attorney, I speak with many clients who have suffered from serious financial misfortune. In many instances, they are seeking refuge from their debts after a serious medical situation or unexpected twist in their life.

While most debt I see isn’t caused by any fault of the debtor, there are instances where a person could have better prepared himself or herself financially. In an effort to help out Coloradans (and their bank accounts), I recently found an article from Money Talks News that I believe gives some helpful tips.

The article describes 12 common money mistakes that Americans make. As we want to dive briefly into each, here are the first six (final six to come in my next post). If you avoid these mistakes, you’ll have a better chance of staying afloat financially. [Read more…]

Lucky Joe’s St. Patrick’s Day Parade

Lucky Joe's St. Patrick'd Day Parade | Fort Collins, CO Bankruptcy Attorney | The Law Office of Chris D. HeftyIt’s time to put on your green, grab your family, and head to downtown Fort Collins to celebrate St. Patrick’s Day with the Lucky Joe’s St. Patrick’s Day Parade!

St. Patrick’s Day is celebrated to honor the patron saint of Ireland and the Irish culture in general. Even though it isn’t a legal holiday in the United States, people all over the country celebrate by donning their green clothes, feasting on Irish food and beer, and parading down the streets.

The parade will be held in Downtown Fort Collins on Saturday, March 15 starting at 10:00 a.m. The parade is free to the public and will start on Walnut Ave. on the North side of Old Town Square. The final stretch of the parade will head north along Remington Ave. until it connects with Mountain Ave. This year, there are over 80 unique floats, as well as many Irish-themed participants, that will parade down the streets of downtown Fort Collins in celebration of their Irish heritage. [Read more…]