Don Bell Law

Don Bell Law At Don Bell Law, we specialize in guiding individuals and businesses through Bankruptcy and Tax Resolution with knowledge and compassion. Laid off?

Your fresh start begins here. 💼⚖️ Medical bills? Bad decisions? Owe back taxes?
​There are many reasons we wind up needing a fresh start. Don Bell Law can help you navigate the road ahead to debt relief.

04/27/2026

DEBT PROBLEMS? MEET THE SHREDDER. 🦜✂️
Rita Chipeta, Esq. is in the building and she’s ready to turn your debt into confetti. Don’t let credit card bills or tax issues weigh you down—come see the team at Don Bell Law for a fresh start!
✅ Expert Guidance
✅ Fresh Starts
✅ Confetti-Level Results
📞 Call 970-239-1139 today!

04/27/2026

THE IRS HAS A PLAYBOOK. RITA HAS A SHREDDER. 📄✂️
Rita Chipeta, Esq. doesn't just look good in a bow tie—she’s here to help you tear up your debt problems for good. Whether it’s tax issues or mounting bills, the team at Don Bell Law knows the way out.
✨ Stop the panic.
✨ Start the shredding.
✨ Get your fresh start.
📱 Dial 970-239-1139 or go to https://www.donbelllaw.com to book your consultation!

04/27/2026

Financial stress is a heavy cage to live in, but you don’t have to stay there. 🏛️🦜

At Don Bell Law, we specialize in helping people use bankruptcy as a tool to reclaim their lives and their peace of mind. It’s not the end of the world; it’s the end of the debt.

Ready for a fresh start? Let’s get you free.

🌐 www.donbelllaw.com

04/04/2026

Tiny Gardens BY KRISTIN KING

More than 20 million Americans planted a garden for the first time during the COVID-19 pandemic to save money and have easy access to food. While not all of them stuck with it, home improvement company Frontdoor found 71% of the people they surveyed planned to continue gardening in 2025 and beyond. Just as homes and yards get smaller, in 2026, gardening blossoms to snack and micro-gardens.

As both storage and available ground shrink, more people cultivate snack gardens. Whether it’s reduced harvests or literally smaller-sized fruits and vegetables, bite-sized produce grows in popularity. You don’t even have to toss them in the fridge; just grab a few off the vine and eat as you go.

The Frontdoor survey found 38% of Americans hope to reduce their food costs using a garden, and 3 in 5 say they plan to grow more than last year. Experts at Bonnie Plants say nearly 2 in 5 Americans under age 35 grew their own food in 2020 due to supply chain issues. It doesn’t matter where you live: in a subdivision with acre lots or a cramped sixth-story walkup, everyone has enough space for a micro-garden.

Return to their roots

The pandemic lockdowns are now well in the nation’s rear-view mirror, but gardens continue to grow. More than 7 in 10 Americans admit they started or continued planting food gardens in 2025. That’s up from an already healthy 61% in 2024.

There are several reasons behind the growth. Nearly half of Americans surveyed say they’re worried about the safety of food in grocery stores, and believe stores only offer low-quality produce. At the same time, 54% of 2025 home gardeners say they are explicitly trying to lower their grocery bills.

Of course, healthy eating is almost always a factor. Additionally, snack gardens are great opportunities to educate children on nutrition, biology and sustainable and mindful food choices. Home gardening also plants greater awareness of seasonality and helps people feel more connected to their food.

The 25th annual Garden Trends Report from the Garden Media Group notes that purpose-driven gardening and intentional living are on Americans’ minds this year. In 2026, there’s a greater focus on edible gardens, smallspace food production and pick-andeat growing.

Smaller can be better

Snack gardens aren’t a passing fad; they’re the result of an evolution building for years. Americans continue to embrace the idea that growing food at home is both possible and deeply satisfying. But with space at a premium, many had legitimate concerns about their ability to enjoy planting and harvesting food. Enter the snack garden.

A snack garden is a compact vegetable plot planted in containers, raised beds or small pieces of land specifically seeded with bite-sized, ready-to-eat vegetables and fruits that can be picked and eaten straight from the plant, with no preparation needed. What makes snack gardens different from regular food gardening is their whole philosophy: the harvest is the point, not the pantry. There’s no canning, no preserving, no figuring out what to do with a pile of zucchini. You walk past your balcony, grab a handful of cherry tomatoes or snap peas, and eat them on the spot.

Snack gardens offer instant gratification with small-scale growing, and can pop up anywhere. You just need 6-8 hours of sunlight and plants that produce small, snackable yields. For a new generation of younger, urban- dwelling growers, snack gardens are exactly the kind of low-effort, high-reward experience they were looking for.

Once established, you walk past your balcony, grab a handful of cherry tomatoes or snap peas, and eat them on the spot. Snack garden cucumbers can be devoured fresh or have a fun second life. Take a handful of small cucumbers and make a batch of nocook refrigerator pickles in about 10 minutes; no special canning equipment required.

Cultivating change

USDA’s Economic Research Service projects overall grocery prices will rise 3.1% in 2026. As grocery prices continue to escalate, there’s no better time to grow your own food. And a snack garden not only helps save money but keeps you from reaching for the cookies, opting for a healthier snack instead.

You don’t get fresher and more seasonal than picking from your own backyard or window box. In a moment when so many people are stressed about grocery costs and food safety, a snack garden is one of the few things you can actually do about it without overhauling your entire life.

When you’ve got more green beans than you can snack on raw, a quick trip to the oven turns them into something even better, like oven-fried crispy green beans. In less than half an hour, you’ll have a side dish the whole family will actually fight over.

Millennials in particular prefer experiences and tend to gravitate toward smaller, more manageable growing formats. They’re a large portion of the 17% of Americans who live in condos or apartments, and those percentages skyrocket in larger cities.

The plant industry saw an opportunity and began breeding smaller plants specifically for the snack garden format. Seed companies like Kitchen Minis continue to roll out new compact,

snackable varieties of multiple vegetables.

Social media harvest

Visually rewarding plant projects inspire, and compact snack gardens photograph well. The Pennsylvania Horticultural Society ‘s 2025 top garden trends report points out that garden influencers on TikTok, Instagram and YouTube are a growing trend. Even the smallest backyard can yield a harvest of snappable, snackable treats when you plant compact berry plant lines and small fruit-bearing trees.

Grow a bumper crop

Snack gardens can grow in yards, containers on a balcony or on a windowsill. “If you are new to snack gardening and have a small space, look for dwarf, bush or patio varieties of your favorite snacking fruits and veggies,” says Renee Gardner, founder of Renee Nicole’s Kitchen. “These tend to grow smaller than many trailing or heirloom varieties. Grape tomatoes, green bush beans, strawberries and even zucchinis can all be grown in grow bags on a patio to create your own snack garden.”

Still not convinced? The average food garden produces approximately $600 worth of produce per year from a starting investment of around $70. That’s more than $500 in savings. In 2024, those who grew food gardens estimated saving an average of $875 on groceries. A garden of just 100-200 square feet can supply one person with garden-grown produce year-round.

Cherry tomato varieties in particular can yield several hundred tomatoes from a single vine in a season.

Most of them are eaten straight off the vine, but when you’ve got a little more than you can snack on, making mini Caprese pizzas is a timesaver and lets those fresh tomatoes shine.

Fruit of your labor

You’re not just eating better, although that’s definitely true. Homegrown produce is fresher and more nutritious than store-bought. Not to mention, kids who grow their own food are more likely to eat it. Participating in a garden not only leads to increased fruit and vegetable intake; it also helps reduce anxiety.

Emotional well-being while gardening is comparable to exercising and improves quality of life and our ability to see that improvement. A joint study found several overall positive impacts of gardening on mental and physical health.

“Living in a PNW townhouse with limited outdoor space, I started growing what I call a snack garden - small containers of herbs, greens and cherry tomatoes I can harvest in seconds while cooking or passing by,” shares Shruthi Baskaran-Makanju of Urban Farmie. “I’m seeing more people shift this way because it removes the biggest barriers to gardening: space, time and intimidation. Grocery prices may spark curiosity, but what keeps people doing it is the instant payoff and the confidence boost of growing something successfully. For beginners, quick growers like basil, lettuce, radishes and microgreens make it easy to start small and stay motivated.”

Sprouting a revolution

The benefits stack up across every area of life, from your wallet to your mental health. Families save money, eat fresher food, spend more time outside and give their kids a real connection to where food comes from. With grocery prices continuing to rise in 2026, the timing couldn’t be better for snack gardening to go from a topical trend to an everyday habit. All it really takes is a sunny spot and the right seeds.

Kristin King is the creator of Dizzy Busy and Hungry, where she has been sharing practical, family-friendly recipes and budget-friendly cooking tips since 2013. She is also the author of “Dinner Time Sanity Saver Cookbook,” offering stress-free meal solutions. Kristin lives in New Jersey with her husband, two sons and four cats, balancing her corporate career with her love of cooking and the outdoors.

Americans swap rows of lettuce for healthy snack gardens with cherry tomatoes, mini cucumbers and strawberries at arm’s reach.

D

Don Bell's Moment of Glory! So far as we know, this is the first time in the history of the Grand Junction Symphony Orch...
08/29/2025

Don Bell's Moment of Glory! So far as we know, this is the first time in the history of the Grand Junction Symphony Orchestra that they have sung "Happy Birthday" along with 5,000 attendees! They made my 80th birthday the best ever!

Question: How does filing a Chapter 13 Bankruptcy compare to Debt Consolidation and Debt Resolution? Don’s Answer: Chapt...
12/20/2024

Question: How does filing a Chapter 13 Bankruptcy compare to Debt Consolidation and Debt Resolution?

Don’s Answer:

Chapter 13 is payments based on your "disposable income", which if it is not much right now, and it will get rid of all the card and loan debts--all debts except the house and cars essentially, and creditors absolutely have to leave you alone.

Debt Consolidation is when you borrow enough money to pay all of the cards and still have a really big bill.

Debt Resolution is when you pay an outfit -- National Debt Relief, Beyond, Blue, etc a set amount each month, and "We will negotiate a reduced amount that you owe; we will accumulate your money until there is enough to satisfy the first debt, then go to the next one". They often do the small ones first, so they can tell you "We got rid of Capital One! Now we will start on the next one." I had a client that paid $600 a month for three years. Then she got garnished on her wages. She called the company and said "I'm paying you $600 a month and they can still garnish my wages?" Their response? "Well, yes, there was not enough in your account to pay that one off, and they refused to wait, so yes, you need to continue to pay us so we can finish the others". She did not have enough left to live when paying them $600 and having her wages garnished, so she had me file a bankruptcy for her.

I assume some of the Debt Resolution plans work. I see the ones that fail, and there are a lot that fail.

Letting Go of Debt by Karen CasanovaA book that I like to give to my bankruptcy clients if they need it is “Letting Go o...
12/13/2024

Letting Go of Debt by Karen Casanova
A book that I like to give to my bankruptcy clients if they need it is “Letting Go of Debt: Daily Meditations for Financial Recovery” by Karen Casanova.

December 11th Mediation Reads:

“Charity

‘Money is like manure. You have to spread it around or it smells’ – J. Paul Getty

We’re so in debt. We can hardly pay for our groceries. How can we possibly think about giving money to chur or a charity?

When we give, willingly, we feel abundant. We feel like we have something others can benefit from. This makes us feel worthy, and it makes us feel rich. These feelings alone are enough to sustain us at times. When we give and feel abundance, it circulates in our lives.

Today I will trust that what I give I also receive.”

We suspect that Getty was referring to money that you have, and giving it to charity. Probably not money that you borrow on credit cards for things you may or may not need. For you, that money does not just smell, it stinks!

– Don Bell

All rights for the excerpt belong to Karen Casanova, author of “Letting Go of Debt.”

Do you want to learn more about handling your tax issues? Watch this video from Attorney Don Bell and see what options m...
12/06/2024

Do you want to learn more about handling your tax issues? Watch this video from Attorney Don Bell and see what options may be best for you.

https://www.youtube.com/watch?v=y_mE87XHEGg&t=26s

Solving your tax issues is sometimes just a matter of finding out what the IRS thinks has happened (or not happened). Learn more from Attorney Don Bell about...

Happy Thanksgiving from Don Bell Law to you! 🦃Enjoy this wonderful time with family and friends.  . . . . . . . . . . . ...
11/28/2024

Happy Thanksgiving from Don Bell Law to you! 🦃

Enjoy this wonderful time with family and friends.
. . . . . . . . . . . . . . . . . . . . . . . .

Bonuses in Bankruptcy: How It Relates to the Means TestQuestion: For 2024 my annual salary is $108K, everything else I e...
11/27/2024

Bonuses in Bankruptcy: How It Relates to the Means Test

Question: For 2024 my annual salary is $108K, everything else I earned were bonuses. Will they include the bonuses in my total earnings even though it’s not a guarantee?

Answer: The Means Test looks back at what actually happened during the six month prior to the month of filing bankruptcy. So yes, absolutely, for purposes of the Means Test, any bonus received during the six months prior to filing will be included. The other issue though, is abuse due to excess “Disposable Income” and that is forward looking. For that, whether we have to count it depends on the circumstances. Have you received a bonus of approximately this amount every year for the last ten years? Then again, absolutely. Not “guaranteed”, but it always happens? Will get counted. Bonus has varied dramatically based on interest rated, etc.? We have a good argument it should not be counted… but not guaranteed!
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Paying the IRS In Bankruptcy: What is Dischargeable?Question: When can I schedule a payment plan and get the process sta...
11/20/2024

Paying the IRS In Bankruptcy: What is Dischargeable?

Question: When can I schedule a payment plan and get the process started on paying the tax debt that is not dischargeable?



Don’s Answer: Paying the IRS while in bankruptcy is tricky if you have some Income Tax debt that is dischargeable, and some that is not dischargeable. As you are aware, the IRS cannot take enforcement action while you are “in bankruptcy”, but will take any money you send them. You want to pay only on your “non-dischargeable” tax. What income tax is dischargeable? Only dischargeable if it is more than three years from the filing due date, it has been filed by you (not the IRS substitute for return) for more than two years, and assessed at least 240 days.

What does “Dischargeable” in bankruptcy mean in regard to taxes? It means the IRS can no longer require that you pay the tax from your income. However, please know that is you have property on which a FTL (Federal Tax Lien) has attached, the bankruptcy did NOT remove the lien. You don’t have to pay it anymore from your paycheck, but your property is still responsible–at least until the FTL “expires”, which is ten years from the date the lien was filed.

An important piece of information about payments to the IRS is that any money the IRS receives is applied to your oldest debt unless you specifically designate a different period. When you have some taxes that are old enough to go away, and some that are not old enough, you should always direct pay, with your Social Security Number, and the tax period written on the check.

For a Colorado resident who is just sending money and no tax return click this link: https://www.irs.gov/businesses/small-businesses-self-employed/where-to-send-your-individual-tax-account-balance-due-payments

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