Well, this is what I'm hoping for, obviously, but prepare to be disappointed. What would occur in an ideal world isn't what always happens in pigroach world.
[Dec 15 2019] Foreclosure Saga - http://civilinquiry.jud.ct.gov/CaseDetail/PublicCaseDetail.aspx?DocketNo=FBTCV196091825S
- Thread starter Agent Proper
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One thing we can say for sure is that MidFirst wants that condo back so they can sell it to someone who is actually going to make good on their end of the deal. What's up in the air is whether they give a shit about the guy they're currently in the process of taking it from. Phil should be concerned about that, because no matter what the odds are of them actually doing it, if they start going after him, they are going to win. Assuming they'll leave him be is not a smart move on his part, he has simply given anyone with authority way too much ammo against him.
Assuming it’s possible the deficiency falls outside the scope of his bankruptcy, it is still possible for them to extract some easy money out of him. Since he no showed it’s pretty easy and cheap for their proceedings moving forward and their council isn’t racking up a lot of billable hours. It could take them a long time and effort to collect in house, but they could easily sell 30k to a collection agency. It might only net them 6 or 3 thousand but it’s a quick way to pay for the lawyers or squeeze a bit more out of Phil.
Even though it’s not a large amount of money, contrasted with bankruptcy proceedings they have this shit on easy mode so they might go for it.
Even though it’s not a large amount of money, contrasted with bankruptcy proceedings they have this shit on easy mode so they might go for it.
American banks are so consolidated, with so many assets, that the loss of a six digit amount of money doesn't materially change anything about their balance sheets. MidFirst has 30 billion dollars on their balance sheet. Even if they could get a hundred thousand dollars out of DSP that would be 0.0003% of their assets. It's a rounding error.
$3000 dollars is probably worth 1 hour of work to a branch manager, it's not like they have to file a bunch of paperwork and have lengthy litigation ahead of them
They probably wont end up doing anything but it would be so easy to send to collections I still think it's possible. After all, this is MidFirst's specialty and he's low hanging fruit
They probably wont end up doing anything but it would be so easy to send to collections I still think it's possible. After all, this is MidFirst's specialty and he's low hanging fruit
DiabeticSP
kiwifarms.net
The reason they didn't fight Phil is they had to have known for YEARS of looking at statements he paid minimums/fines and never EVER paid those fucking balamces down.
Phil's grade A poor, using credit to live outside his means while paying years of interest.
He's surely paid his balance twice over in interest by now, so why fight it?
The question is only if Midfirst feels the same way. Considering they buy bad debt from other banks, I'd assume not.
If all they gotta do is file a couple pages of Lawyer Speak for an extra 50k+ I'd be surprised if they didnt go after Phil. Its all about ease vs payout. IMO when I did collections Phil's easy money, so might as well give it a go. If he'd been causimg problems of course not but he'e not fighting shit.
I'm sure 99% of what Midfirst focuses on is people owing big mortgage bucks sad not some conro BUT its easy money.
If they dont bother thats even funnier because selling would have been cash directly into Phil's pocket.
tomstone
kiwifarms.net
nancy also had the bankruptcy on easy mode but she was a incompetent bitch and the proach luck came throughAssuming it’s possible the deficiency falls outside the scope of his bankruptcy, it is still possible for them to extract some easy money out of him. Since he no showed it’s pretty easy and cheap for their proceedings moving forward and their council isn’t racking up a lot of billable hours. It could take them a long time and effort to collect in house, but they could easily sell 30k to a collection agency. It might only net them 6 or 3 thousand but it’s a quick way to pay for the lawyers or squeeze a bit more out of Phil.
Even though it’s not a large amount of money, contrasted with bankruptcy proceedings they have this shit on easy mode so they might go for it.
Nancy did the right thing she is just a boomer moron. I think she confused WWE champions with the WWE subscription. So she ended up asking phil a softball question about his WWE sub.
FallGout
kiwifarms.net
DSP got off easy but iirc poor Yacht guy got fucked.
Penix
kiwifarms.net
Maybe because he actually had a fucking yacht instead of sweaty man jpegs? Just a hunch.
I think they give as much thought to Phil as they would to a pimple on their back. The only one suffering with this delay is Phil, who continues accruing new HOA bills, which are not subject to bankruptcy. Once MF takes title, they're the ones who owe the HOA bills. I think they're happy to let the pigroach soak those up for the moment.
If what Phil asserts is true, he had to explain why she was getting emailed about his collection of wrestling jpegs. That's not the story verbatim, I'm sure, but Phil has bitched about us deranged nudniks supposedly delaying his bankruptcy proceedings, and he let slip that he had to explain some shit that shouldn't have had to, blaming us for it. Which I doubt he would have to do if Nancy hadn't found something. She did convert his case into an asset case, after all, despite him claiming to not have any.
I still maintain that she either didn't know what to look for in order to prove to the judge that Phil has the money to pay off his debts as long as he stops wasting it on wrestling jpegs (or whatever she thought it was going to), or saw what kind of person she was dealing with and decided to just get him out of the system for eight years. It's exactly what I expect out of any normie dealing with Phil.
You're more than likely correct, I'm just saying that since we're not Phil, it's not any skin off our back if we're right or wrong. He has a stake in the results, so he's stupid to not pay attention.
I think this is giving her too much credit. She nailed the obvious discrepancies but that is about it; any idiot can realize that buying cat food without owning a cat or being a streamer without owning electronics is idiotic but actually going through his business expenses line-by-line to figure out if they are allowable would have taken her/her staff tens or hundreds of hours. The fact that the numbers just happened to put him right under the threshold for eligibility and his expenses nearly doubled for one month only seemed to go unnoticed because again, that sounds like work and might go nowhere.
Put another way, it looks like her attitude was "I'm going to rubber stamp this retard's bankruptcy unless somebody does my job for me" rather than "I'm going to veto this retard's bankruptcy unless he documents everything to the tenth decimal place". That right there is a betrayal of her office, her job description is to "promote the integrity and efficiency of the bankruptcy system for the benefit of all stakeholders–debtors, creditors, and the public" per the Trustee Program's official website.
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strandedcastaway
kiwifarms.net
Phil's interesting to us as a study of grift, begging, and addiction, but @Penix had it right: he doesn't have anything to take. Yacht guy had a yacht, Phil had no assets to get Nancy interested. All the autists contacting her with "tips" no doubt didn't help, but he's just another sweaty loser to her.
Midfirst, same thing. We're all wondering why they don't go after that easy money, but $3000 or $30000 is like someone owing one of us a nickel---almost any time or effort spend getting it back isn't worth it because it's literally nothing. That's what Phil is to them. Meaningless.
Midfirst, same thing. We're all wondering why they don't go after that easy money, but $3000 or $30000 is like someone owing one of us a nickel---almost any time or effort spend getting it back isn't worth it because it's literally nothing. That's what Phil is to them. Meaningless.
gaarashatan
kiwifarms.net
idk man, looking at a guy who somehow makes 6 figures a year, and spends 6 figures a year on "business" and has zero assets.
if this was the real world, red flags would be fucking flying off and the dude would be homeless or renting out a one room khando within 3 months
Except those red flags, in Phil's case, don't lead to the conclusion that he is hiding anything other than an addiction, which, in the debt recovery racket, basically means "This is a dead end". People like Phil are impossible to deal with, they're going to do everything they can to waste money on their vice instead of pay their bills, forever, and virtually nothing can be done about it. Yacht Guy is different, you tell him to sell the yacht and he begrudgingly does it. Everything goes smoothly and by the numbers, something you'll never, ever get out of assholes like Phil.
BallBuster
kiwifarms.net
All anyone had to do was ask for an itemized list/audit of the last 3-6 months of business expenses. There would be no way to prove $5000+ a month was going into a daily game stream and it would have been over there. If they saw his PayPal statements, they would see continuous payouts to Scopely. There is no way that can be explained. They somehow overlooked all this because pigroach luck.
Midfirst has the power right now to actually reignite that fire. The thing of it though is, while we know it’s child’s play to prove his fraud as the proof is everywhere, they don’t know Phil from any other deadbeat customer they have. He’s a no one to them. As a no one he will go through the same no one process the rest of them go through. That’s why he wins. Short of having someone work his cases that actually know who he is, he’s more or less safe from the most severe outcomes
It'd most likely just show up as payments to Apple Pay, and the explanation would be "I'm a game streamer dood, I buy gaming for my gaming business with Apple." That's probably enough to get a rubber stamp from apathetic boomer functionaries.
DiabeticSP
kiwifarms.net
Bankruptcies are to protect retarded people from themself because they're too brain damaged to make proper life decisions and live within their means.
Phil is a retard too brain damaged to make proper life decisions and live within his means.
Everyone else on the calls before Phil was a retard too brain damaged to live within their means.
All of them, besides maybe yacht guy, got their bankruptcy approved.
Phil probably paid all those credit card companies twice what he owed in interest and fines and would have done so for his entire life.
The only question now is whether local midfirst shop has time/energy/desire to include his property in whatever they bulk file to meet their bonus quotas.
Phil is a retard too brain damaged to make proper life decisions and live within his means.
Everyone else on the calls before Phil was a retard too brain damaged to live within their means.
All of them, besides maybe yacht guy, got their bankruptcy approved.
Phil probably paid all those credit card companies twice what he owed in interest and fines and would have done so for his entire life.
The only question now is whether local midfirst shop has time/energy/desire to include his property in whatever they bulk file to meet their bonus quotas.
PieceofShet
kiwifarms.net
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