Future of the House

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Ophelia said:
He had the house paid off, at least. He knew he was getting old.
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You know that there is like a 0.000000001% chance that Barb hasn't reversed mortgaged that house, probably at least twice to feed the hoard and keep the credits off her back.

By the time Fatty gets out of the big house there won't be a home for him to go back too. The bank will clean it out, as its pretty new construction after the fire, and sell it off to get their money back.

I can't honestly believe that anyone on this forum thinks for one minute that Barb is taking steps to make sure Fatty is take care of once she joins the hoard. No, once Fatty's get release from jail he's homeless. And royally fucked.

I mean unless Null changes his mind and start moral-fagging Fatty again. Maybe they could move in together.
 
Ophelia said:
I’m somehow unfamiliar with this.


He had the house paid off, at least. He knew he was getting old.
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More than likely there is a HELOC (Home Equity Line of Credit) on 14BLC, probably taken out by Barb when she was still able to comprehend what was happening.

Banks are notorious for issuing out HELOCs without disclosing what the money can and cannot be used for. When used correctly, a HELOC helps increase the overall value of the property, because the general idea is one will use the HELOC funds as they are intended, to improve the home's equity value by paying for needed repairs.

Chris, being the financial idiot, would spend an entire HELOC on fast food, Legos and porn. In less than six months.
 
Sweet and Savoury said:
You know that there is like a 0.000000001% chance that Barb hasn't reversed mortgaged that house, probably at least twice to feed the hoard and keep the credits off her back.
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This is fact, if I’m remembering correctly. We know Barb pissed away everything Bob did to try to make her secure after he died. What I was saying is that Bob tried.

I wouldn’t bet anyone here thinks Barb has plans for Chris’s care after she croaks. We all know she doesn’t give a shit.
 
Ophelia said:
This is fact, if I’m remembering correctly. We know Barb pissed away everything Bob did to try to make her secure after he died. What I was saying is that Bob tried.

I wouldn’t bet anyone here thinks Barb has plans for Chris’s care after she croaks. We all know she doesn’t give a shit.
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Imagine how much different and potentially less destructive Chris' life would be had Barb been the one to pass away first. I highly doubt that Barb has any kind of a Will or Final Instructions, she seems the type to say, "I'll make my Will out tomorrow...".
 
Governor Rocknar said:
Imagine how much different and potentially less destructive Chris' life would be had Barb been the one to pass away first. I highly doubt that Barb has any kind of a Will or Final Instructions, she seems the type to say, "I'll make my Will out tomorrow...".
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She’s workin’ on it.
 
IIRC they have two mortgages out on the house, and wiped out their life savings on the Snyder situation. <Some thing like 50,000 or the like.>

I've no idea what the house costs per month; but can Chris even afford payments for it on the tugboat, on top of other debt?
 
Optimus Prime said:

Bob's Letters to Chris - CWCki

sonichu.com sonichu.com
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I thought this was funny. From Bob's letter:

Your mother and I have done our best for you, and in return we expect at least that from you, for yourself, and your children.
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Granted, Bob wrote this for Chris when he was five years old, but damn, that's got to sting considering how Chris came to be and his and Bob's relationship started to deteriorate. As smart as he was, Bob's pretty ignorant as to wholly blame autism and not Chris for the decades of failure he brought on himself and his family. I bet once Bob put Chris on SSDI, he thought to himself: "Well, there goes my expectations of my son having a family of his own."

Guardsman42 said:
IIRC they have two mortgages out on the house, and wiped out their life savings on the Snyder situation. <Some thing like 50,000 or the like.>

I've no idea what the house costs per month; but can Chris even afford payments for it on the tugboat, on top of other debt?
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Nope. You're talking about an individual who literally cannot save money to save his life: Chris has spent a lot of his tugboat on video games + their DLC and LEGO; he's also not above stealing from his own mother as evidenced many times before, even after he raped her and got the EPO (Chris had the nerve to still steal from his mom because he made a pattern of it). Even if Chris hadn't raped Barb and had gone to Everfree with part of the money from the GoFundMe, I can guarantee you the extra money left that Null specifically said to use for emergencies, Chris will not spend towards limiting said debt.

The problem is that Chris has always depended on others to help him with his financial troubles. Whether it be with Bob and helping Chris get rid of his first credit card debt, or e-begging weens. Long story short: Chris was never interested in becoming economically sufficient, why should he bother to do it when he's about to turn 40?

I bet Barb never even talked about her mortgage with Chris. I think she would be willing to have Chris become homeless, rather than discussing what to do when she dies. Like with everything revolving Chris and real life (Bob's death/house fire/run ins with the law/current status), all he wants to do is play pretend.
 
I know we all desperately search for a hero in this story but it's way too easy to read this as Jesus Chan's letter to Crystal.
I will probably be rambling until I drive you to distraction, but just bear with me, because I will get to the point sooner or later
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Check
joins me at the great sing-a-long in the sky, or wherever
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Dimension #C-1971218 or whatever
Anyway, I expect you to take care of her, love her, and never disappoint her for as long as she lives.
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Anyone for soul-bondage?
I have always felt like my mother was my guardian angel.
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Emmanuel the first?
I didn't plan my life. I just took it as it came along. I seem to have had no control over it.
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Chris Chan's learned helplessness in a nutshell.
Maybe that razor did have a purpose greater than anything my grandfather and I ever dreamed of, for it is because of my careless ??? of my grandfather's razor that I am writing this open letter to you
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Chris probably regrets not hoarding a couple of Bob's autistically collected pop culture crap.
First, learn all about them, how to use them and enjoy them, their value, and how you can thoughtlessly waste their value, then enjoy them as I have.
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Become a pokemon master before unboxing the funkopops
my very good stamp collection, or all the recorded popular music on cassette tape, VCR tapes and records. The oil paintings, United Nations art graphics, first of the issue covers, first LIFE covers, the complete set of the very valuable wrong first day issues of the United Nations covers. The musical movies I have collected for you on VCR tapes. My books on popular music, movies, entertainers, musical theater.
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Seriously this is the boomer version the toys Chris surrounds himself with.
I am a collector of things, even more than your mother
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Stuff=love
I have another notebook full, called "This Is My Working Life", which you might find interesting as to how I spent the forty two years of the working part of my life
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Crystal please read my Goddess diaries because I'm incapable of communicating like a human being.


Bob was a socially-retarded sperg who refused to stand up to his narc wife, creating the unholy offspring who would grow up to shit himself and fuck his mother. We need to stop lionizing him.
 
A question occured to me, if Barb dies while Chris is locked up (it's a possibility) as Chris has all his worldly possessions in his room and the Bank forecloses on the property because of the debt would chris be offered a opportunity to collect (or be collected for him) his items or even a portion of them that he can prove was his sole property an not held jointly?

Or are they all just awaiting the inevitable date with the landfill?
 
Phalanges Mycologist said:
A question occured to me, if Barb dies while Chris is locked up (it's a possibility) as Chris has all his worldly possessions in his room and the Bank forecloses on the property because of the debt would chris be offered a opportunity to collect (or be collected for him) his items or even a portion of them that he can prove was his sole property an not held jointly?

Or are they all just awaiting the inevitable date with the landfill?
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I'd be more then willing to bet they'd have the stuff largely taken to be auctioned against his debt.
 
Guardsman42 said:
IIRC they have two mortgages out on the house, and wiped out their life savings on the Snyder situation. <Some thing like 50,000 or the like.>

I've no idea what the house costs per month; but can Chris even afford payments for it on the tugboat, on top of other debt?
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At this point, Chris is never getting out of debt. We all know Barb has no life insurance, so when Barb dies, Chris is essentially homeless if he manages to make it out of jail.
 
Tennis-Ball-Tony said:
There's like this planetary alignment of a perfect storm that resulted in Chris's ego being as big as it is. It's live every aspect of his life has had some sort of guiding hand that has prevented him from being exposed to even the slightest bit of challenge.

This stuff didn't start until Chris was physically removed from the property. Since that happened, the neighbors have been pitching in and making the house a little bit nicer than it was. I wonder if they had before, and Chris just shooed them away or otherwise was unapproachable.
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Would you go near a property if the little kid that lived there had grown up to be some creepy Ed Gein-type?
 
Governor Rocknar said:
At this point, Chris is never getting out of debt. We all know Barb has no life insurance, so when Barb dies, Chris is essentially homeless if he manages to make it out of jail.
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Chris really is going to spend the rest of his life in and out of jail if he isn't sent to assisted living, since as discussed multiple times, unless there's a physical barrier preventing Chris from going somewhere, he's going to go to that place. The simple fact 14BC is the only home he probably even remembers means he's going to keep coming back regardless if he legally can live there or if the house itself is completely razed and a different house built on the lot. He's going to get brought up on trespassing charges by the dozen.
 
Optimus Prime said:
Chris really is going to spend the rest of his life in and out of jail if he isn't sent to assisted living, since as discussed multiple times, unless there's a physical barrier preventing Chris from going somewhere, he's going to go to that place. The simple fact 14BC is the only home he probably even remembers means he's going to keep coming back regardless if he legally can live there or if the house itself is completely razed and a different house built on the lot. He's going to get brought up on trespassing charges by the dozen.
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eh, not unless weens manage to convince him to (they will certainly try). There's something very psychologically weird about going up a stranger's driveway, it's very hard to keep yourself there if you know you shouldn't be there. Then again, Chris fucked his mother so who knows at this point.

My guess is that he had no particular attachment to the house. In all the jail stuff I don't think he's mentioned 14BC by name, only as 'the temple'. Kinda seems like home is where the heart is for him.
 
Ridin' On My Scootypuff said:
eh, not unless weens manage to convince him to (they will certainly try). There's something very psychologically weird about going up a stranger's driveway, it's very hard to keep yourself there if you know you shouldn't be there. Then again, Chris fucked his mother so who knows at this point.

My guess is that he had no particular attachment to the house. In all the jail stuff I don't think he's mentioned 14BC by name, only as 'the temple'. Kinda seems like home is where the heart is for him.
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My angle on this is I figure Chris simply isn't going to accept having the house taken right out from under him. Chris probably thinks he's ultimately going to get let out - it's what happened last time he was jailed - but shit could be moving so fast that Chris wouldn't be able to really process it. So, seeking comfort, he'll go to someplace he feels comfortable.

Name one other location Chris would feel safe in other than 14BC. Even his precious mall, as much of a ghost town as it is now, is no longer safe (and Chris can only blame himself for that one). Plus, he literally has nowhere else to go - the answer to what he would do in that situation wasn't given since Chris barely got checked into a hotel before the cops straight up cuffed him as a flight risk. What family would even speak to him has given him the cold shoulder once they learned what he did.

I mean, shit, we're here talking about him losing the house - he could lose the van, too (he's already lost his Sonchu plates) , at which point he literally can't go anywhere as I don't think he knows how to use a rideshare service. Everything being taken away from him out of the blue? We're obviously not talking a Waco Siege situation but he's going to have to be dragged out of 14BC if he has his way.
 
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