Future of the House

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It's been eight months since Barb played chicken with the 18-wheeler and lost. I think we'd have by now. I don't know why we haven't seen any developments (It's what I'd be doing were I Tom). I can only assume Barb is being difficult (which implies she's still cognizant enough to be difficult).

We don't even know where Barb is, so how would we "see some movement in that direction?" All we get are what Chris says in his letters, and he is not a reliable narrator. Even if he was believable, he hasn't said much except the mortgage is being paid and he hasn't talked to her. She could be living with relatives who are negotiating with creditors, trying to sell the house, etc. We have absolutely no way to know.
 
We don't even know where Barb is, so how would we "see some movement in that direction?"

We don't know where Barb is, but we have a pretty good idea where she isn't. There's been no sign Barb is back at 14BLC, and that means she's probably incapable of living alone there any more. That means she almost definitely won't be returning; who would move there to take care of her?

he hasn't said much except the mortgage is being paid

We would know by now if the mortgage wasn't being paid. but that's just it: right now 14BLC is a financhu burden on Barb and whoever is taking care of her, offering no benefit. There are a number of good reasons to sell it, and no good reasons to keep it (giving Chris somewhere to live after jail is not a good reason).

She could be living with relatives who are negotiating with creditors, trying to sell the house, etc.

It doesn't take this long to make such negotiations with the bank. More likely they are negotiating with Barb, and she's stubbornly having none of it.

We have absolutely no way to know.

If the house were being sold, we would know. It isn't. We have no way of knowing for certain why not, but we do know it isn't.
 
Is Chris a possibility?

I’m not asking if it’s probable. I hope it’s not possible.
I'm assuming who is ever prosecuting Chris' case is aware of him. Lord knows how many weens emailed both Heilberg, the prosecutors and the judge the CWCki. If I was working Chris' case, I'd make a note to the judge: "This guy is barely fit to take care of himself let alone his own mother. I wouldn't trust him to go back and breathe in the same room with her."
 
I'm assuming who is ever prosecuting Chris' case is aware of him. Lord knows how many weens emailed both Heilberg, the prosecutors and the judge the CWCki. If I was working Chris' case, I'd make a note to the judge: "This guy is barely fit to take care of himself let alone his own mother. I wouldn't trust him to go back and breathe in the same room with her."
Oh they’re aware, but what if they don’t care? I’m in the camp who thinks the system just wants Chris to stop being a problem they have to deal with. Path of least resistance. I’m inclined to think a tard home would provide that, but as long as we’re floating the possibility of Chris returning to 14blc, why not Barb as well? It depends on how much the accident fucked her up, among other things. But both parties are adults.

(It is optimistic to think Heilberg and the prosecutor looked over the cwcki. At most maybe an intern glanced at it and rolled their eyes)
 
Is Chris a possibility?

I’m not asking if it’s probable. I hope it’s not possible.
No, even if without a restraining order placed on Chris to keep clear of Barb I doubt the County would let them be together again. If anything, Chris will be placed in a "special" house for his kind and Barb would be placed in an old folk home since neither of them have proven to be competent to take care of themselves, more so Barb than Chris in my opinion.
 
Oh they’re aware, but what if they don’t care? I’m in the camp who thinks the system just wants Chris to stop being a problem they have to deal with. Path of least resistance. I’m inclined to think a tard home would provide that, but as long as we’re floating the possibility of Chris returning to 14blc, why not Barb as well? It depends on how much the accident fucked her up, among other things. But both parties are adults.

(It is optimistic to think Heilberg and the prosecutor looked over the cwcki. At most maybe an intern glanced at it and rolled their eyes)
Only one of them is an adult, Barb. But she's so irresponsible, yet she's aware of her surroundings (reality of financial obligations). Chris, on the other hand...

I do agree with you that Chris should be sent to a home because Chris will continue to be a problem for the county because he just doesn't learn and repeat the same mistakes over and over. If Barb comes back and is incapacitated, what's Chris going to do? It's been shown that all Chris can do is just stream and e-beg. He should be the one who can get what Barb needs, but only spends it on himself and has to rely on everyone to do the work by paying him. Would Chris 'heal' her again in an autistic attempt because he thinks healing her worked mentally as well as physically? Chris mentioned 'valid terms' on one of his letters. If this is to be believed, Chris actually agreed to sacrifice something in return to him being released. Whether it means not being able to return home is something we'll have to see when it happens.
 
Only one of them is an adult, Barb.
Legally?

If Barb comes back and is incapacitated, what's Chris going to do?
It depends on factors we don’t know about.

Would Chris 'heal' her again in an autistic attempt because he thinks healing her worked mentally as well as physically?
I doubt he actually thinks he “healed” her in his heart of hearts. He knows he was doing it because it felt good, and most of us here think he’d do it again if given the chance. But we don’t get to decide. If authorities believe he’s likely to reoffend, you’d hope they’d prevent any unsupervised reunion. I’m just not sure how much faith I can give them.

Chris mentioned 'valid terms' on one of his letters. If this is to be believed, Chris actually agreed to sacrifice something in return to him being released. Whether it means not being able to return home is something we'll have to see when it happens.
For all I know, Chris was just running his mouth trying to sound smart and mystical.
 
I would say yes. For a moment, let's put a pin on her dementia and sonchu accident status. As we all know, her name is still on the house and she's still responsible for it. Until there's paper work of the transfer to Harriet and Tom.
 
He left the nest egg and planned his and Barb's spot at the columbarium. I would think he made a will leaving the house to Barb, but unfortunately that will wouldn't work (someone correct me on this) since she mortgaged the house. If someone has to verify it, unless Barb's layer has a copy of it (if that lawyer is alive), good luck trying to find it inside the house.
I'm not sure if Bob needed to leave the house to Barb in the will, they were both listed as property owners for 14BC since 1998 and Bob was the sole listed owner prior to that date. I think what would happen in that case is once Bob died, his share of the property ownership reverted to Barb.

That'd also explain why she was able to take out a mortgage on the property herself since she is the owner. What's interesting is Bob is still listed as an owner on the property but for property tax purposes that doesn't really matter.
 
Is Chris a possibility?

I’m not asking if it’s probable. I hope it’s not possible.

In an infinite universe, anything's possible. That said, if Chris does somehow end up back at 14BLC "taking care" of Barb, well that's your sign we're in the wrong reality.

Since Barb's not back at 14BLC, it means she's being cared for somewhere by someone, either family or, more likely professional care. They're not going to take her out of that situation to dump her back at 14BLC and the tender mercies of utterly unqualified Chris, even if he wasn't a literal motherfucker. Allowing Chris back at 14BLC would be a legal decision, but sending Barb back there would be a medical decision by whoever is caring for her now. Can you imagine the potential liabilities they'd incur?
 
If the house were being sold, we would know. It isn't. We have no way of knowing for certain why not, but we do know it isn't.
Perhaps? However, I know from experience that not all rural estate companies are great at getting stuff listed quickly on Realtor, Zillow, etc. Some just put up signs and list them on their own local website. Seems super-antiquated in 2022, but we are talking about rural Virginia here. Unless a) a stalker is driving by regularly and reporting back to us and b) checking all the local real estate websites regularly, we may not know immediately if it is put up for sale. But generally, I agree as there are too many stalkers checking the place out occasionally that we will know when it is listed.

I'm not sure if Bob needed to leave the house to Barb in the will, they were both listed as property owners for 14BC since 1998 and Bob was the sole listed owner prior to that date. I think what would happen in that case is once Bob died, his share of the property ownership reverted to Barb.

That'd also explain why she was able to take out a mortgage on the property herself since she is the owner. What's interesting is Bob is still listed as an owner on the property but for property tax purposes that doesn't really matter.

That last sentence is good information that I didn't know. Typical lazy Barb. This also indicates to me that she doesn't have a living trust as she would have put the house into either her name or the name of the trust by now. There is a lot of focus on wills in this forum, but the real thing that people need is a living trust. This also indicates to me that Bob probably didn't have a living trust either as couples typically build them together at the same time.

Tip to young Kiwis from an oldtard: as soon as you have ANY assets you care about where they go after you pass, get a living trust, even if you are in your 20s. I'm not just talking real estate or cars, but family heirlooms you may have inherited as well. You wouldn't believe the shit that previously loving families will do to each other over family heirlooms. Spell out what goes to whom. A living trust can be done well by a good pro for under $1k. An uncle of mine got theirs done at a mall kiosk for a couple hundred bucks. It was sloppier than a more expensive one but it got the job done for his heirs. Main thing is that a living trust is much more likely to keep your heirs out of probate, which is a living hell with seemingly no end.

As for who gets the house with no will or trust (as is likely the case), that depends on the state. I have no idea how it works in Virginia, but in some states, even though Barb is the only living person on the deed, Bob's children would also have a right to a share upon his death and Barb could have been forced to sell the home if that were the case. Again, that may not be true in Virginia, but it is something to consider. It is also possible that Bob's kids didn't know or didn't care and were fine with Barb keeping it. In California and some other states, they would have been entitled to a share if there was no living trust, but I don't know about VA. Either way, I trust that Bob and Barb have handled all of this poorly at every step of the way. After learning just now that Bob is still on the deed, I think that Chris and possibly Cole have a fun time in probate ahead of them, as that implies to me that there is no trust and likely no will.
 
we may not know immediately if it is put up for sale.

Not immediately, no. We would have to wait for weens to report on it, but that's something they definitely would report. Eight months is long enough that we'd know by now, even were it FSBO.

This also indicates to me that she doesn't have a living trust as she would have put the house into either her name or the name of the trust by now.

Barb doesn't care enough about Chris (or Cole or anyone who isn't herself) to give a fuck what happens to the hoard vast chandler fortune once she's gone. There is no will. There is no trust. Likely she's fought tooth and nail against anyone even having power of attorney.

Bob's children would also have a right to a share upon his death and Barb could have been forced to sell the home if that were the case.

IIRC, had Bob died intestate, his children from his previous marriage would have been entitled to 2/3rd of the estate if they made a challenge in court. They did not, and I believe the time limit has run out. They are not entitled to anything upon Barb's death unless she specifically wills it to them (and I don't see that happening).

I think that Chris and possibly Cole have a fun time in probate ahead of them,

Assuming Cole give a fuck, though why wouldn't he? He has nothing to lose but time, and potentially a few thousands to gain.
 
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I'm assuming Chris won't be able to manage the mortgage on the house, even if the bank, by some miracle or mistake, lets him assume the mortgage.

They're required by federal law to let Chris assume the mortgage, assuming its payments are up to date. They can't just call the mortgage in. The problem is that in probate Barb's creditors can call in their debts if Chris doesn't assume those as well, and *they* can force the sale of the house.

They can only do this is if there's enough equity in excess of the homestead exemption to pay the debts, which there seems to be. There are all sorts of things that Barb could still do to secure the house from the creditors -- like putting it into an irrevocable trust for Chris, but this has to happen *before* she dies. Right now, assuming she's current on the payments, the credit cards stay unsecured so Barb is free to divest assets as much as she wants.

Once Barb defaults on those payments (most likely by dying, and thus losing the Chandlers the pensions/social security she was using to pay the cards off) they can go get a lien on the equity.

Chris has all the financial acumen of a potato with a lego addiction.

Probably because he *is* a potato with a lego addiction.


Tax assessments live in the world of fantasy real estate.

This. Property values magically go up when you're ready to sell.

It's been shown that all Chris can do is just stream and e-beg.

If Chris were born an attractive woman, he'd have the perfect skillset. though it wouldn't really be working now that he's 40, and he wouldn't have saved enough.
 
They're required by federal law to let Chris assume the mortgage,

Chris or Cole. I can tell you right now who the bank would prefer to deal with.

There are all sorts of things that Barb could still do to secure the house from the creditors -- like putting it into an irrevocable trust for Chris,

I think I mentioned that. I also think Barb won't bother. Not because she is also financially a potato, but simply because she doesn't care about anyone but herself.

If Chris were born an attractive woman, he'd have the perfect skillset. though it wouldn't really be working now that he's 40,

Twenty year old Chris and his attraction sign would be basically the same as forty year old born-a-woman Chris demanding a "good man" on tinder. The only functional difference would be their ages and the advancement in technology.
 
They're required by federal law to let Chris assume the mortgage, assuming its payments are up to date. They can't just call the mortgage in. The problem is that in probate Barb's creditors can call in their debts if Chris doesn't assume those as well, and *they* can force the sale of the house.

They can only do this is if there's enough equity in excess of the homestead exemption to pay the debts, which there seems to be. There are all sorts of things that Barb could still do to secure the house from the creditors -- like putting it into an irrevocable trust for Chris, but this has to happen *before* she dies. Right now, assuming she's current on the payments, the credit cards stay unsecured so Barb is free to divest assets as much as she wants.

Once Barb defaults on those payments (most likely by dying, and thus losing the Chandlers the pensions/social security she was using to pay the cards off) they can go get a lien on the equity.



Probably because he *is* a potato with a lego addiction.




This. Property values magically go up when you're ready to sell.



If Chris were born an attractive woman, he'd have the perfect skillset. though it wouldn't really be working now that he's 40, and he wouldn't have saved enough.
Imagine drafting the "Sonichu Temple Irrevocable Trust"
 
Maybe we do need a 14BLC/inheritance faq. *sigh* People forget the place was fixed up after the fire. The same points about reselling formerly horrendous heaps must be restated every few pages. Many people got their knowledge of inheritance laws from TV.
We already have a Jail/Court FAQ and it doesn't stop people asking "Do U tHiNk ChRiS wIlL gEt 10,000 YeArS iN pRiSoN????" half a dozen times a day. Sometimes you just can't fix stupid.
 
I wonder if Barb will get a social worker or a court appointed guardian given her age. If she does, the house could end up being sold and the money could be used to put Barb in an assisted living home/nursing home.
 
We already have a Jail/Court FAQ and it doesn't stop people asking "Do U tHiNk ChRiS wIlL gEt 10,000 YeArS iN pRiSoN????" half a dozen times a day. Sometimes you just can't fix stupid.
It’s not as many as it used to be and when one does pop up we have a place to send them rather than repeat the answer.

It’s not about fixing stupid, it’s about managing our own time.

I wonder if Barb will get a social worker or a court appointed guardian given her age. If she does, the house could end up being sold and the money could be used to put Barb in an assisted living home/nursing home.
Her sister seems to be taking care of that.
 
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