[Dec 15 2019] Foreclosure Saga - http://civilinquiry.jud.ct.gov/CaseDetail/PublicCaseDetail.aspx?DocketNo=FBTCV196091825S

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Will DSP file his bankruptcy before MidFirst Bank gets their hands on his WAkhando?

  • Yes

    Votes: 112 51.9%

  • No

    Votes: 104 48.1%
  • Total voters
    216
Freshtodeath said:
Honestly it seems like his only plan is to get white hot popular again and make a million dollars so he can pay off everything. Otherwise he has zero intentions of paying off any loans. Anyone loaning to him is a complete moron.
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Isn't / wasn't he paying the absolute minimum + interest? Tbh as long as he can stay afloat he is the best cash cow ever. You get something + fees back. If he stays afloat long enough you have your money back even if he still owes you. That might be a rason most of the credit cards companies didn'T give a fuck when he declared bankruptcy. they made their money back. Or they didn't care about this fat fuck.
 
Been a very long time since I've been in this thread so please excuse any ignorence on my part. but am I right in thinking that the foreclosure stil has yet to be completed? If so then dame the bank sue is taking their sweet ass time.
 
Tumbo said:
it will hopefully be full steam ahead.
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Why do you hope that? If the case ever finishes, Phil will be completely off the hook because banks apparently don't care about getting their money. But as long as it's in limbo, he has to keep paying KHANDO fees.
 
It's important to temper expectations regarding this, but:

Phil loses - we get to laugh at him as he rants and whines on stream about mentally ill detractors ruining his life, whilst telling people with learning disabilities that if they give him $100 per stream he'll wear a vest, as he desperately needs tips to pay off his condo bills.

Phil wins - we get to laugh at him as he rants and whines on stream about mentally ill detractors ruining his life, whilst telling people with learning disabilities that if they give him $100 per stream he'll wear a vest, as he desperately needs tips to pay off his unspecified behind the scenes bills.
 
Kosher Dill said:
Why do you hope that? If the case ever finishes, Phil will be completely off the hook because banks apparently don't care about getting their money. But as long as it's in limbo, he has to keep paying KHANDO fees.
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Yes that will technically be a win however I'm looking forward to when he has to get a real job in a post pandemic economy and job market with a terribly outdated resume and no job experience.
 
Tumbo said:
Good point however it's not gonna last forever and once things are back up and running I'm sure it will hopefully be full steam ahead.
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I looked up some other pre-COVID foreclosure cases in Connecticut earlier in the thread and many of them took over a year to complete even when the defendant no-showed. This thing is almost certain to take two years from when he defaulted in April 2019 and might even take two to three years from when the bank sued him in December 2019. There are a ton of unknowns about when and how the Connecticut state courts will get back to normal but even "back up and running" will mean "extremely slow"..... then you have to realize there will be hundreds or thousands of foreclosure and eviction suits that got deferred on top of that because of the COVID moratorium. His HOA fees on the property will easily have cost him $10k by the time this wraps up.

Kosher Dill said:
Why do you hope that? If the case ever finishes, Phil will be completely off the hook because banks apparently don't care about getting their money. But as long as it's in limbo, he has to keep paying KHANDO fees.
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This is probably true but none of us is 100% sure. Even real lawyers in this thread can't explain how the unique confluence of an underwater property, bankruptcy, and surrender works - the fundamental question we can't answer is whether the deficiency is a new debt or an extension of the discharged mortgage.
 
By the time anything happens with the Connecticut condo DSP will have paid $400 a month for 8 years to have the lawn cut in an apartment that nobody lives in.
 
Generic_Detractor2021 said:
Ugh.. Can y'all please not waste my boners like this?!? I dont know how many more I'll have in this lifetime, and I dont appreciate shitheads getting me excited for nothing.
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ED doesn't have to be a life sentence. Come to Dr. Derich's clinic and he'll have you "standing at attention" in no time.
 
Balr0g said:
Maybe the unexpcted repair bills were for his Condo in Conneticut. The one he thought to have gotten rid of by now.
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That would be my guess, anyways. With how he said he didn't agree that he was responsible for it, but they made him pay for it anyway, I believe it was something that one of the HOAs dumped on him. And, since that payment cuts into his beefy bitmab fund, he became an extra salty potato covered in beggin' and chives.
 
Mini-update: Dragging out the foreclosure is now a conspiracy directed specifically at Phil by MidFirst, now he claims they are deliberately slow-walking things because the Connectikhando is appreciating and selling it later = larger profit at his expense. This isn't just a conspiracy theory either, his strip-mall lawyer who said trolls shouldn't have access to documents in the public record agrees with him!


The idea that MidFirst wouldn't care when foreclosure sales are postponed until at least June by executive order and judges might have higher priorities does not appear to have occurred to him either. For the record he appears to be correct if you trust Zillow listings - it has gone up from about $65,000 to about $98,000. I am not sure how this interacts with the motion for strict foreclosure and would appreciate it if a real lawyer like @AnOminous could weigh in but it obviously can't hurt him.

But back to laughing at Phil, anyone who thinks Zillow estimates right now mean anything is being silly: The same executive order that makes Phil a low priority is also the only thing keeping millions of people from eviction or foreclosure. When the order lapses and landlords/banks can begin enforcing foreclosure claims again, it's going to be even worse than 2008.

EDIT: Also why the hell did his bankruptcy lawyer advise him to default over a short sale then? If she knew it was not only plausible but likely the sale could end up dragged out, the responsible thing to do would have been to tell him that up-front and explain the relative merits of short selling vs. risking a prolonged foreclosure.

Either that or Phil could be putting words in another person's mouth because he realizes nobody takes his opinion seriously, whichever is more likely.
 
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twattycake said:
Mini-update: Dragging out the foreclosure is now a conspiracy directed specifically at Phil by MidFirst, now he claims they are deliberately slow-walking things because the Connectikhando is appreciating and selling it later = larger profit at his expense. This isn't just a conspiracy theory either, his strip-mall lawyer who said trolls shouldn't have access to documents in the public record agrees with him!
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Guess he forgot to show her the "fuck you I'm not paying!" video.
 
twattycake said:
But back to laughing at Phil, anyone who thinks Zillow estimates right now mean anything is being silly: The same executive order that makes Phil a low priority is also the only thing keeping millions of people from eviction or foreclosure. When the order lapses and landlords/banks can begin enforcing foreclosure claims again, it's going to be even worse than 2008.
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I wouldn't take Zillow estimates literally, but home sale prices in my part of the Northeast have shot up at a ridiculous rate since COVID because there's little on the market. A decent property can get listed and have a dozen bids on it the first day. Simple law of supply and demand. Phil's condo going way up in value in the past year is actually pretty likely because virtually everything has. You'd make much more selling now than you would at this time a year ago.
 
twattycake said:
Mini-update: Dragging out the foreclosure is now a conspiracy directed specifically at Phil by MidFirst, now he claims they are deliberately slow-walking things because the Connectikhando is appreciating and selling it later = larger profit at his expense. This isn't just a conspiracy theory either, his strip-mall lawyer who said trolls shouldn't have access to documents in the public record agrees with him!


The idea that MidFirst wouldn't care when foreclosure sales are postponed until at least June by executive order and judges might have higher priorities does not appear to have occurred to him either. For the record he appears to be correct if you trust Zillow listings - it has gone up from about $65,000 to about $98,000. I am not sure how this interacts with the motion for strict foreclosure and would appreciate it if a real lawyer like @AnOminous could weigh in but it obviously can't hurt him.

But back to laughing at Phil, anyone who thinks Zillow estimates right now mean anything is being silly: The same executive order that makes Phil a low priority is also the only thing keeping millions of people from eviction or foreclosure. When the order lapses and landlords/banks can begin enforcing foreclosure claims again, it's going to be even worse than 2008.

EDIT: Also why the hell did his bankruptcy lawyer advise him to default over a short sale then? If she knew it was not only plausible but likely the sale could end up dragged out, the responsible thing to do would have been to tell him that up-front and explain the relative merits of short selling vs. risking a prolonged foreclosure.

Either that or Phil could be putting words in another person's mouth because he realizes nobody takes his opinion seriously, whichever is more likely.
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There’s extremely scarce inventory nationwide right now, which could be falsely inflating that value. A shithole is still a shithole and that “value” means nothing when they haven’t gotten any offers for that value. Nothing to really look too much into.
 
Let's be real, I couldn't imagine Phil being on the hook for deficiency anyway. Him paying those fees, which over the years have accumulated to quite a hefty amount that he basically shits away, and now the appreciation in value taking up even more real estate in that little brain of his is extremely funny to me. Get fucked Phil, I hope Midfirst drags this shit out at least one more year, I know it bothers you ;)
 
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