Your views about people and children and legacy align with what I’ve observed since I was a child.

The local peak was in last May by my observation.

Not to beat a dead horse, I agree with most of the observations in this thread.

But if you have observed corporate formalities and kept the LLC separate from your personal affairs, they will not be able to obtain a judgment against you personally, even if they name you personally as a defendant.

Most people that I observe who attempt to mail to estate reps are too worried about getting there first and have no sense of why a letter that arrives when the problems are perceived as overwhlming by the PR will have a higher response rate, other things being equal.

Just an observation - I have a theory there are two types of people in this world.Type 1 - "I need something done - I need to figure out how to do it."

I don't understand 'obvious'...You should be better at observing your prospects. 

A lot of times, in my observations, the problem is not lack of money, it is lack of savings.

Good observations for a young guy. :-) There was no lending.

In that letter, I do not make ANY accusations, I enumerate my observations, For example: on Mar 10 between 1-1:20 we saw 8 cars pull up and idle near your apartment, occupants exited the cars and spent 2-4 minutes each inside your apartment, then exited your apartment and drove off.