The Montclarion

The Montclarion
Founded 1907
2nd Quarter 2011
Denver, CO
www.HistoricMontclair.org
[email protected]
Celebrate July 4th in Montclair Park with HMCAI
WHEN: Monday, July 4th (yes, we are celebrating July 4th on July
4th this year).
Table of Contents
July 4th Celebration................1
President’s Notes....................2
Easter Egg Hunt.....................4
TIME: The Picnic starts promptly at 10:30 a.m. Our wonderful
Dixieland Express jazz band will be playing all our festive favorites
from 10:30 a.m. to 1:30 p.m.
WHAT: The festivities include the
Annual Bike Parade, games, the live
band, a fire truck and food for all.
In and Out of Montclair..........5
Vigilante Justice.....................6
Garage Sale??.........................6
Restaurant Review.................9
Personal Finance..................10
Montclair School...................11
Wanted: Board Members......12
HMCAI Membership list......14
PIX: As in prior years, the picnic
will feature proving photographers
who will post photos on the HMCAI
website after the event.
(www.historicmontclair.org).
BRING: A blanket and beverages
for the family. It will be hot, and
you may be very busy – playing
games, visiting the fire truck, etc. –
bring more than you think you need! Reusable containers are
encouraged, as trash facilities are minimal. (And we all want to
make an effort to be “green.”)
EVENT SCHEDULE:
• 10:30 a.m.: Band arrives; music starts
• 11:00 a.m.: Bike parade for the little ones (ages 0-5)
• 11:15 a.m.: Bike parade for the bigger ones (ages 6-12)
• 11:30 a.m.: Food service begins
• 12:30 p.m.: Games begin/fire truck arrives
• 2:00 p.m.: Picnic ends
(continued on Page 3)
A QUARTERLY PUBLICATION OF HISTORIC MONTCLAIR COMMUNITY ASSOCIATION, INC.
Notes From the President by Nancy Mucker, HMCAI President
“A Tale of Two Cities”….. I don’t travel much anymore because Colorado
is where I always wanted to live. And now that I’m here, I’m really happy
staying here. But periodically I have to travel for work. Plus, I love traveling the West with my family. It’s a rare event when I manage to do both
in one week. And what a week it was. I attended a high tech industry
conference at the Venetian Hotel in Las Vegas the week before Memorial
Day. (The company hosting the event is Israeli and creates the high tech
software that supports call centers, security systems for mass transit and
fraud detection for financial firms.) The Memorial Day weekend was
spent at the Chaco Culture National Historical Park south of Nageezi, NM. I don’t think I could
create a more dramatic comparison if I worked on it for weeks.
Vegas is not my favorite spot, but it certainly is not dull. The conference was interesting and
informative but spending eleven hours attending sessions in a conference center with no windows and no easy egress to fresh air and sunshine can be mind numbing after three days. And if
you manage to find your way to daylight, you see folks paying to ride in a gondola around fake
canals being serenaded by Vegas gondoliers. Really! Or you can walk the strip and see fake New
York, the fake Eiffel Tower, etc. I have to admit I enjoyed the fountains at the Bellagio Hotel.
So, having not visited Las Vegas for twenty years, I did walk the Strip pretty much from end-toend. I kept thinking that I would grow to like it. By the end of it, I decided Vegas was “okay,”
but not one of my favorite places. I do know others love it, including the other employees from
my firm who truly had a great time. I think I was the “wet blanket” in the group.
Two days after Vegas, we made the seven-hour drive to Farmington, NM, and headed to Chaco
Canyon the next morning. It’s another two hours, much across dirt and gravel roads. We found
our way to the small National Park headquarters, temporarily housed in a large canvas kiva
structure. (They’re building a new visitors center.) So, we were off to tour Pueblo Bonito and the
other structures in the park, a tour that included a strenuous hike up onto the mesa that allows
you to look down on the ancestral structures of Chaco Canyon. The winds were howling at about
40 mph on the mesa top. Not only were there wonderful views of the ruins, but also we truly
could think about the ancient Native Americans who walked these mesas and built these interesting structures. So, were we truly removed from modern life and high tech conveniences? You
would think, yes, of course. But the confluence of old and new came from our using GPS on our
SMART phone to get to Chaco. Just plug “Chaco Culture National Historical Park” into your
phone when you leave the hotel, listen to the voice (which gets quite irritating after a while), follow directions and there you are!
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www.HistoricMontclair.org
July 4th Picnic (continued from Page 1)
BIKE PARADE RULES: The Bike Parade is in two heats: one for children 0-5 and one for
children 6-12. For everyone’s safety, please have your child participate only with the appropriate
age group. Parents are welcome to push/pull their smaller children as needed. Prizes will be
awarded for uniquely decorated bikes!!!!
COST: No charge for HMCAI members. For those who have not joined HMCAI, the cost will be
$5/adult and $3/child (ages 3-10). Children under age 3 attend at no cost. You will have the
option of joining HMCAI the day of the picnic (the annual cost is $20/family and $10 for seniors). The membership table can be found under the trees at the west end of the park. If you are
not sure of the status of your membership, the current members’ list is published in this edition
of The Montclarion.
Remember, if you are a paid member, your entire household attends the picnic FREE. In addition to the picnic, membership in HMCAI includes our seasonal activities and the members-only
adult wine and cocktail party in the fall.
VOLUNTEERS: We can always use additional volunteers to help for one hour or less in several
different ways. Please help your community, friends and family enjoy this community event.
Call or email Mark Noonan if interested: [email protected] or mobile # 303-472-2922
WEATHER: Rain or shine!
Contributions Wanted
Readers: if you would like to submit an article
or restaurant review, please email the article to
[email protected]. We'd love to hear
from you.
www.HistoricMontclair.org
3
The Easter Bunny Visits Historic Montclair
The Easter Bunny made his annual appearance in Historic Montclair on Saturday, April 23. One
thousand eggs were stuffed with holiday goodies and crafts and hidden among the trees, picnic
tables, lawns and Molkery porches. Five “golden eggs” were among
those hidden. The lucky finders of the golden eggs received Easter baskets filled to the brim with fun activity sets, toys and treats.
Although the forecast called for cloudy temperatures and rain boots, a
record number of approximately 70 children and their parents, grandparents, friends and pets came to Montclair Park at 10 a.m. with baskets in hand. The start of the hunt was announced by Rod Saunders
and included small children ages 1-5. The second heat was announced
shortly after for older children. After all of the eggs had been found
and the hunt successfully completed, participants were invited in to the
Molkery to warm up and partake of holiday cookies, croissants, pastries, coffee and orange juice. A
fun and exciting time was had by
all!
The event organizers would like to extend a special thank
you to Father Doug and the youth group from St. Luke’s
Episcopal Church who hid every single one of the 1000 eggs!
Thank you to Evelyn Sim and her son Cameron for setting
up and taking down the Molkery refreshment stands and to
Valerie Alford, Kate Kestyn, Katy Saunders, Christine
Ralston and other volunteers for stuffing the eggs. Finally,
thank you to the organizers of the event, Katy and Rod
Saunders, and to the HMCAI for sponsoring and hosting the
event every year.
Photographs of the hunt can be found at
www.HistoricMontclair.org or on Historic Montclair’s facebook page http://www.facebook.com/pages/HistoricMontclair-Community.
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www.HistoricMontclair.org
In and Out of Historic Montclair
by Veronic Dolan
Ta Ta and Toodleoo, Nanna’s Teas, our short-lived, quaint neighborhood tea shop, has vacated
its 14th and Oneida premises and moved to 2236 Oneida St. According to owner and Historic
Montclair resident, Karen Renz, it will move again this fall to 2230 Oneida, where a former 7Eleven is being renovated into Eggs A Bakin, a 2,200 sq.ft. café. EAB will be open for breakfast,
lunch and high tea and feature homemade breads, scones, cakes, pies and crumpets, in addition
to a wide variety of loose and boxed teas. Details at Nanna’s Teas, 303-862-8832.
Another Farewell. The annual fall Flea Market and antiques sale held for many years by St.
Luke’s Episcopal Church at13th and Poplar has become, well, an antique. A dwindling supply of
donated quality furniture, art and silver, and fewer volunteers able to work daytimes led to its
demise. Women of the parish are now eagerly planning a replacement fundraiser, a silent auction, for the spring of 2012. Proceeds will be used to refurbish parish buildings and to restock the
pantry. It should be fun. We’ll keep you posted.
And a big hello to Marczyk Fine Foods, opening a second market this month at 5100 East
Colfax, at Fairfax. The 6,500 sq. ft. building opened in 1925 as a Safeway store and from 1980 to
2010 was occupied by Fairfax Hardware. Marczyk’s will feature a full deli, fresh meat and fish,
market-prepared meals, a grocery, fresh produce and a wine boutique. Info about Colfax opening:
call Marczyk’s 17th Ave. market, 303-894-9499.
Montclair Recreation Center has programs for just about everybody. Stop by 729 Ulster St.
(on Lowry), be dazzled by the wide variety available and sign up for fun and better health.
Programs include fitness training, swim classes, open swim, personal weight training, water
walking, Karate, pick-up basketball, bridge games, classes in pottery and fused glass, and trips for
seniors, among others. Main phone is 720-865-0560; pool phone is 720-865-0569. If program
you want is filled, try for next session.
We hear plans to develop the Corner of 8th Ave. and Jersey have been put on the back burner until the economy improves. Owners of the site have decided the time is not right to build even
the modest retail strip they were contemplating.
(continued on Page 7)
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5
BEFORE MONTCLAIR – VIGILANTE JUSTICE
ON A PIONEER TRAIL
PART I
by Bill Hansen
In 1860, as civil war loomed, Denver was a lawless frontier town – literally. It had no laws, no
authorized courts, and no judges. It was then part of Kansas Territory and the closest judicial
system was more than 500 miles away in what was then dubbed “Bleeding Kansas.”
Just two years old, Denver had boomed to 4,500 residents. Following discovery of gold in the
foothills, thousands of “59’ers” emigrated across the plains to seek their fortune. They came primarily on the Smoky Hill Trail from Leavenworth, Kansas, and the Platte River and Overland
Trail from St. Joseph, Missouri. The Fort Morgan “cut off” to the Platte River Trail and the
Smokey Hill Trail North spur converged near present day Bennett and entered Denver through
today’s Lowry, Montclair, and Mayfair neighborhoods. Every day hundreds flooded Denver
across this route in an almost continuous caravan of prairie schooners, freight wagons, handcarts, and cattle.
Unfortunately, along with the prospectors, promoters, merchants and ranchers, came the
inevitable glut of gamblers, thieves, ruffians, and desperados, deemed “bummers” by the honest
citizens. Nascent Denver was ill equipped to handle this lawless element. Regionalism and strife
over secession added to the turmoil. Without institutional law and justice, the summer of 1860
was the wildest, most violent and desperate time in Denver’s history.
Ad hoc gatherings of “People’s Courts” dispensed justice, presided over by a “judge,” a jury, and
attorneys serving variously as prosecutors or defense counsel. There were neither appeals nor
jails. The typical sentence was hanging, with whipping or banishment imposed for lesser offenses. However, People’s Courts could readily be influenced by “grub, cigars, and a flask of
whiskey.”
One especially prominent defense attorney, A. C. Ford, always seemed to find exonerating evidence on short notice. His “suave and pleasant manners” had earned him the informal sobriquet of “Judge.” He was a pillar of the community despite his living openly in an illicit condition
with Sarah Jane Vailles.
(Continued on Page 8)
Garage Sale??
HMCAI is considering a neighborhood garage sale. If you would like to participate in Historic
Montclair’s first annual Garage Sale, please contact Valerie Alford at [email protected] or
303-641-6823.
If we generate sufficient interest, we would coordinate the effort and advertising. Our goal is to
have it in September 2011.
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www.HistoricMontclair.org
In and Out of Historic Montclair
(Continued from Page 5)
A Farmer’s Market will be available every Saturday from 8 a.m. to 1 p.m. now through Sept. 17
in the lot at Lowry’s Hangar 2. Colorado produce will be featured – locally made cheese, bread
and more, including gifts. Stop by.
City Park Jazz on Sunday nights, rain or shine, through Aug. 7, 6-8 p.m. at City Park
Pavillion/Bandstand. Music by Denver Municipal Band, the oldest professional concert band in
the continental U.S. See: www.cityparkjazz.org for more info. FREE.
FREE Days for everyone. Enjoy art, science, beauty and culture. And have fun.
Denver Botanic Gardens – July 19 and Aug. 29
Denver Museum of Nature and Science – Aug. 22 and Aug. 28
Denver Art Museum – July 2, Aug. 6 and Sept. 3
Denver County Fair – July 28-July 31 at National Western Events Center, 4655 Humboldt St.
Traditions, culture, creativity and innovation at ten indoor pavilions, each with its own theme.
Rides, midway games, Skateboard Rodeo and more. For details, see: www.denvercountyfair.org.
Irish Dancing. The world class Martin Percival School of Irish Dance will be opening a
Stapleton branch in Sept. Classes 4:30 every Wed. at 4601 Quebec. First class is free; after enrollment, tuition is $45 a month. Children as young as three are welcome. Percival danced with
Riverdance and replaced Michael Flatley as lead in Lord of the Dance. One of his male pupils
came in 5th in World championships and 3rd in North American nationals. For additional info
contact: [email protected].
Expires 9/30/2011
www.HistoricMontclair.org
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BEFORE MONTCLAIR – VIGILANTE JUSTICE
(Continued from Page 6)
That summer, however, suspicions rose that Ford was in cahoots with the thieves and scoundrels
who eagerly sought out his services and might be sharing in their loot. In late August 1860, he
hastily drafted a will acknowledging Miss Vailles as his common law wife and leaving her his substantial property in the event of his demise.
As editor of the Rocky Mountain News, William N. Byers was the outspoken voice of moral
decency. His writings soon made him a victim. Kidnapped by hooligans, he managed to escape
and barricaded himself in his newspaper office against withering gunfire. When Ford’s eloquence
earned an acquittal for one of the assailants, Byers had had enough. People’s Courts were “little
better than a farce,” Byers wrote, and further declared “much as we deprecate mob violence or
the workings of lynch law . . . we can see at this juncture no other alternative.” A self-appointed
“Committee of Safety” was secretly formed to deal with the problem.
The first order of business was dealing with a highly organized band of horse rustlers preying
upon the ranches around Denver. On Saturday, September 1, 1860, a white man named “Black
Hawk” was apprehended by the vigilantes. Before being lynched from a cottonwood, he confessed and fingered Ford as the ringleader, as well as John Shear, one of Ford’s cronies, as second-in-command. Shear, a member of Denver’s City Council, was rousted from bed on the
evening of September 3 and the following day was found dangling from a poplar tree along
Cherry Creek. At his feet was a sign: “This man was hung. It was proven he was a horse thief.”
Alerted to these events, Ford made prompt
preparations to flee town on the next stage
east. After paying the $100 fare for the
week-long trip, Ford boarded the stage
coach on the morning of Tuesday,
September 4.
Unknown to Ford, two groups of heavily
armed men had slipped out of town before
dawn to cover the trails leaving Denver.
Four headed east along the old cut-off. . . .
(To be concluded in the next issue of The
Montclarion.)
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8
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Restaurant Review: Nonna’s Bistro and Bella Vino Wine Bar
What makes a restaurant a great new find for you? For me it is consistently GREAT food, a
thoughtful and reasonable wine list, a warm welcome, an ambiance that matches the restaurant’s style, live music, and did I say great food and drink. Nonna’s Chicago Bistro is just such
a great find. This is a place where I have, as I suspect many of you have, driven by noticing the
signs, wondering, but passing it up. Located in a little strip mall on the north side of Leetsdale
just past Monaco, sandwiched between the 7-11 on the corner and the 24 Hour Tanning Salon,
Nonna’s Bistro is an unassuming treasure worth trying.
As soon as you walk inside, you find a vibrant yet intimate setting that has two sides with a
small bar in the middle. It is like being transported to a little trattoria in Sicily, Rome or
Cortina, Italy. It is definitely not Monaco and Leetsdale. Nonna’s is frequented by regularsfamilies, couples, groups of friends and singles all finding a warm welcome with genuine pleasure that you stopped by for a visit. You might even get a hug from the owner. On Friday or
Saturday nights there is live music. The other night it was a quartet playing a great selection —
live music adds so much to make an evening special.
They do Italian the Chicago way, and this is food that embraces its origins and a love of ItalianAmerican culture. Sections of the menu are named for well known Italian characters mostly
from the Godfather and although I haven’t tried the Chicago Mob’s Pizza and Calzones but I bet
it lives up to the statement on the menu: “We’ll make you a pizza you can’t refuse.”
(Continued on Page 12)
Senor Pepe's
Christopher Gartland, DDS
Family Dentristy
A Montclair Landmark Since 1969
Serving Fine Mexican Cuisine
Excellent Steaks & Cocktails
1422 Poplar St.
303-321-1911
1315 Krameria St.
Denver, CO 80220
Ph. 303.322.3272
Email:
[email protected]
christophergartlanddds.com
On your next
visit, please present this ad for a
10% discount on
your total bill.
Offer expires
August 31, 2011
www.HistoricMontclair.org
9
Personal Finance in Tough Financial Times (Part IV)
John L. Eckelberry, Esq.*
This is the final installment of a four-part article intended to provide a brief overview
of the most common options available to people who are dealing with personal financial difficulties. For Part I related to credit reports see the June 2010 Newsletter; for Part II related to personal debt see the September 2010 Newsletter; and for Part III related to real property debt see
the December 2010 Newsletter. (All past newsletters can be found under the “Montclarion” tab
on the Historic Montclair website: www.historicmontclair.org.) As always, your individual situation will dictate the best course of action, and it is recommended you seek advice from professionals including your attorney, financial advisors and CPA.
Bankruptcy
At a certain point bankruptcy becomes a better option than attempting to fulfill outstanding
financial obligations on your own. The most common reasons for filling personal bankruptcy are
unforeseen medical expenses, excessive credit card debt, loss of employment, divorce and the
legal processes to collect that debt. It is extremely important that individuals consider all available options and bankruptcy alternatives before making a determination of what course of action
to pursue.
Chapter 7 and Chapter 13 are the two bankruptcy filings available to individuals. Chapter
7 is a liquidation of assets and Chapter 13 is a reorganization where the individual repays
a portion of their debt over a three to five year period. Under a Chapter 7, an individual
may keep only property which is covered by exemption from creditors. Under Chapter
13, a person is allowed to retain all their assets.
Under Colorado law, individuals may keep the following under exemption: (*indicates
amount doubled if filing
jointly)
• Equity in your home or
sale proceeds if sold within
the two years prior to bankruptcy, up to $60,000
• Farm machinery, tools and
livestock, up to $50,000
• Household goods, up to
$3,000*
• Jewelry and watches, up to
$2,000*
(continued on Page 13)
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New Beginnings at Montclair By Kerri Barclay
It’s been a very busy spring over at the Montclair School of Academics and Enrichment.
Montclair has a new principal. Her name is Donna Neill and we are thrilled to have her as
Montclair’s new leader. We know Donna will continue the wonderful reform efforts put into place
by former principal, Shannon Hagerman.
Donna comes to us from Florida with an extensive career in the Brevard Public Schools. She was
a principal, assistant principal, Media Specialist and a classroom teacher. In Colorado, she is certified in Elementary Education, Teacher Librarian and School Principal. She is thrilled with the
move to Colorado since her family lives here including grandchildren. Donna is looking forward
to building upon Montclair’s fine reputation and hopes to enhance the already strong school culture focused on student learning, a commitment to high expectations, innovation, and collaboration. We are looking forward to many great years with Principal Neill.
Our Plant Sale and Fun Fair took place Saturday, May 14th. Although, the weather wasn’t what
we hoped for, we did have a great turnout from families and neighbors. Thank you to all who
supported this annual event. We hope to see you next year! All profits made from this event will
go directly to the enrichment programs at Montclair.
As many of you know, our new Learning Landscape was built last summer. The children continue
to enjoy their new fields and play equipment. The Learning Landscape also has a dedicated area
consisting of a vegetable garden and fruit orchard. This spring, the garden will be planted and a
core group of parents, staff and volunteers from the community will tend to it this summer.
Montclair is in the process of acquiring grants to help our school establish the Garden to
Cafeteria program for next year. In the fall of 2011, we hope to have the students work with their
teachers and a garden leader to harvest and prepare the soil for winter crops and spring planting.
A compost bin has been donated to the school and the garden vegetable waste will be composted
on site.
Montclair is one of three pilot schools participating in the DPS Sustainability Management Plan,
a school-wide energy audit. A small, dedicated group at Montclair is overseeing the plan. The
purpose of the plan is to
reduce energy use in DPS
school buildings by implementing efficiency
upgrades and behavioral
changes at each school.
The process for the audit
includes four stages with
the ultimate goal being
site-specific, easy to
understand energy conservation plans for the individual schools that continues to be implemented by
the school community.
www.HistoricMontclair.org
11
Restaurant Review (con’t from Page 9)
The menu is varied, and I have always been impressed with every dish I have tried. I know I
should try another appetizer selection, but I dream about the Sicilian Calamari - calamari, artichoke hearts, and pepperoncini’s lightly fried then tossed with lemon butter, olives, capers, and
feta cheese. Most main dishes, including the pastas, come in lunch or dinner size portions.
Classic pasta dishes are side by side with Carciofo Con Pollo that was voted best pasta in 1996 by
Westword for a good reason. Entrees melt in your mouth and vary from Parmesan Crusted
Chicken in a light lemon Dijon cream sauce to Chilean Sea Bass to Osso Bucco. Well-matched
vegetables and risotto, potatoes or pasta accompanies all. The wine selection is excellent and even
includes a Sicilian Nero D’Avalo offering that is my current favorite red. They offer classically
well-prepared Italian desserts, including cookies. The cannoli is perfect. Oh yes - did I mention
the wonderful warm garlic bread that is brought to the table when you sit down. The service is
attentive and accommodating. Italians love children and want them to love food, exemplified by
the Bambino’s Favorites section of the menu. There is something for everyone here. They say
they are committed to bringing their customers “fabulous food and fantastic service” and they
deliver.
Try Nonna’s, you will be going back. MANGIA!
Nonna’ Chicago Bistro; 6603 Leetsdale; Denver, CO; 303-399-2000
Review by Judy Baxter
WANTED: Three Good People
by Veronica Dolan
Historic Montclair is no accident of nature. Since 1907, officers and at-large board members of our
first neighborhood association, and its two successor organizations, have guided, nurtured and molded our community into what it is today, one of Denver’s most desirable places to live.
Current board members, combined, have devoted almost 100 years of service to HMCAI because they
love Montclair and want to give something back to the community. Unfortunately, three members are
unable to complete their terms of office and we’re looking for interim replacements, June through
December.
If you enjoy living here and would also like to give something back, here’s your chance to join that
historic list of people who have made Montclair so special. All we ask is that you attend most – not all
– of the monthly meetings (third Wed., 7-9 p.m.), and that you have a computer and an email address
because we do all business electronically.
And you must volunteer for at least one activity. You can help set up, serve, clean up or decorate for
one (or more if you’d like) of our events: July 4th picnic, Treats With Santa, Easter Egg Hunt or Adult
Wine Party. Or you might prefer to report or write for the newsletter. Or sell ads. Or work on a membership drive. Or a political evening. There are many opportunities. If you have the time, we’ll find
the right niche for you.
So think about giving board membership a try for six months. And if you like it, consider running for
election to the board in the fall. Contact Nancy Mucker, HMCAI President, at: 303-808-4520 or
[email protected]
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www.HistoricMontclair.org
Personal Finance in Tough Financial Times (con’t from page 11)
• Cash surrender value of an insurance policy, up to $25,000*
• Equity in motor vehicle or a bicycle, up to $5,000* or $10,000* if elderly or disabled
• Personal books and family pictures, up to $1,500*
• Professional library, up to $3,000*
• Provisions and fuel, up to $600*
• Work related tools, books, supplies, electronics and so forth
• Wearing apparel, up to $1,500*
• Any amount in an IRA, 401(k) or pension plan
• Right to receive certain benefits such as social security, unemployment compensation,
veteran's benefits, public assistant and pensions regardless of the amount
• Burial sites
• Income tax refunds
Chapter 7 discharges the debtor from the debt owed to creditors. The discharge is a permanent
court order prohibiting the creditors from taking any further collection actions. Individuals must
pass a means test to be eligible for Chapter 7. Qualification for Chapter 7 begins with the median
income in Colorado for either an individual or family of specified size, which you must be under
to be eligible for Chapter 7. Filers who do not fall under the median income level may still qualify
by meeting the means test. The means test determines the individual!s income and deducts qualified expenses. If this calculated amount is under the median income level the individual qualifies
for Chapter 7.
The most important distinction of a Chapter 13 is that it allows an individual to keep most of
their assets and equity. Individuals generally file a Chapter 13 for two reasons: if they have valuable assets or equity not covered by exemption that they wish to keep, if they do not qualify under
the median or means tests to file a Chapter 7. Chapter 13 requires the debtor to create a plan to
allow a portion of their debt to be paid off within a specified time period.
Generally, neither bankruptcy option will erase debt due to: child or alimony support, student
loans, loans obtained fraudulently, debt from willful, malicious injury and certain taxes.
Bankruptcy will appear on your credit report for ten years. Bankruptcy is generally a negative
mark on your credit, but depending on the current state of your credit it may actually put you in a
better position as you will be able
to pay current bills on time and
begin restoring your credit.
*Special thanks to Darius Dugas
for his contributions to this article.
www.HistoricMontclair.org
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HMCAI Membership List
The following list represents our records for current members as of May 20, 2011. If you are not on this list, your
membership is not current. If you believe you have paid and are current but are not on this list, please contact Gail
Barry, [email protected]. Please note, in an effort to reduce space, we have only listed one member
name per household. Also, the lists are in alphabetical order, not expiration date order.
As we announced in our prior editions, our newsletters are now hand delivered to all locations within our HMCAI
boundaries in an effort to reduce costs. As a result, we can no longer individually address newsletters with expiration dates to our members. Therefore, we will annually publish our membership list.
If you are currently not an Historic Montclair Community Association member or your membership is not current,
we encourage you to join or renew. The membership dues are minimal ($20.00 annually per family, $10 for seniors). The memberships fund our numerous activities, as well as helping to support this newsletter. We need your
support.
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www.HistoricMontclair.org
HMCAI Membership List (con’t from previous page)
www.HistoricMontclair.org
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Historic Montclair Community Association, Inc.
P.O.Box 200125
Denver, CO 80220-0125
2011 Membership Form
Please complete form (block letters) and mail with check to:
HMCAI Treasurer, P.O. Box 200125, Denver, CO 80220-0125
Annual dues per household
Voluntary donation
Total Amount of Check
$ 20.00 ($10.00 for seniors)
$
$
PLEASE PRINT IN BLOCK LETTERS
Name (s)
Address
Home Telephone
Work Tel:
Email
Please let us know if you would like to volunteer (circle):
Snacks with Santa | July 4th | Easter Egg Hunt | Cocktail Party | Halloween Party | Other