Containment What will happen when Barb dies?

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Yog Sothoth said:
If Chris really is financially he shold be able to live in 14 Branchland Court for the rest of his life.
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If he inherits 14BC he also inherits all Barb's stupid debts. It's anyone's guess whether he can cover all that plus his own living expenses with only one tugboat.

BUT: there is apparently one exception under Virginia law. If someone marries Barb, that person can inherit the house while being immune to creditors.
So really, Chris has had it backwards the whole time. Instead of Barb 2.0, he needs to find Bob 2.0.
 
Kosher Dill said:
If he inherits 14BC he also inherits all Barb's stupid debts. It's anyone's guess whether he can cover all that plus his own living expenses with only one tugboat.

BUT: there is apparently one exception under Virginia law. If someone marries Barb, that person can inherit the house while being immune to creditors.
So really, Chris has had it backwards the whole time. Instead of Barb 2.0, he needs to find Bob 2.0.
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...fuck me and my overactive imagination :cryblood:
 
Kosher Dill said:
If he inherits 14BC he also inherits all Barb's stupid debts. It's anyone's guess whether he can cover all that plus his own living expenses with only one tugboat.

BUT: there is apparently one exception under Virginia law. If someone marries Barb, that person can inherit the house while being immune to creditors.
So really, Chris has had it backwards the whole time. Instead of Barb 2.0, he needs to find Bob 2.0.
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No, you don't inherit your parents debts. The executor would would pay off as much as it could from Barb's estate and anything left over is defaulted on.

As @AnOminous notes, they might not even be able to take the house to cover Barb's debts.
 
Marvin said:
No, you don't inherit your parents debts. The executor would would pay off as much as it could from Barb's estate and anything left over is defaulted on.

As @AnOminous notes, they might not even be able to take the house to cover Barb's debts.
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They can take the house to cover a mortgage. They can take the car to cover a car loan. Anything else is far less straightforward.

As you say, it is basically impossible for Chris to inherit a negative balance.

It looks like what will determine if he inherits anything is the mortgage. 3 cases are possible:

1. Mortgage is small or non-existent. Chris can take over payments and keep the house.
2. Mortgage is large. Chris sells the house, pays what is owed, and gets the balance (approximately whatever equity Barb has) as a nest-egg.
3. The house is underwater. Barb owes more (in mortgages alone) than the house is worth. Chris can sign the house over to the mortgage holder and walk away.

My guess it is somewhere in the first two categories. Deciding between them is basically up to Chris (or someone advising him). He will inherit the house and any directly associated debt. The rest is up to him. I think most people think it would be best for him to sell and take a small apartment, perhaps closer to downtown Charlottesville. But we fear that some combination of inertia/nostalgia/incompetence will keep him living alone in rural Virginia.
 
The third one is probably the least likely to happen since the wise gurus at CNN's Money keep pimping out Virginia (and especially the Richmond area) as the places where the housing market is resurging. However, if Barb is leaving Chris with an underwater mortgage after squandering the money on legal fees then she's even more irresponsible than I thought. There's no reason for a house that's been owned by that long by a couple with stable incomes to have anything other than a pittance of a mortgage. Unless she took out a second one for who knows what reason.
 
Kosher Dill said:
If he inherits 14BC he also inherits all Barb's stupid debts.
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Only if they're secured with the property. Most consumer debt is completely unsecured and evaporates with Barb's death.

You are not obligated for the debts of other adults.
 
Oh god... I cannot picture Chris living in 14BC alone after Barb's death. An empty house out in the woods with very few neighbors and places of activity, him playing his vidya and his gaming apps alone in the dark in his bedroom, him griping about Sonic's blue arms on bed every time he sleep, etc. Oh and his closest friends would be his two dogs Clover and Snoopy but by then, they would be so obese that they can't get up the stairs. And the remaining hoard will just sit there as the dogs scratch, chew, crap, and piss allover the house but eventually, they will die from malnutrition before Chris does. This... This is just sad. No person, how bad they are, should live this way. If only his neighbors or at least some weens call up social services and get Chris the help he needs in a group home but even that, with the bureaucracy, they can't guarantee in even visiting his home.
 
Haesindang Park said:
Oh god... I cannot picture Chris living in 14BC alone after Barb's death. An empty house out in the woods with very few neighbors and places of activity, him playing his vidya and his gaming apps alone in the dark in his bedroom, him griping about Sonic's blue arms on bed every time he sleep, etc. Oh and his closest friends would be his two dogs Clover and Snoopy but by then, they would be so obese that they can't get up the stairs. And the remaining hoard will just sit there as the dogs scratch, chew, crap, and piss allover the house but eventually, they will die from malnutrition before Chris does. This... This is just sad. No person, how bad they are, should live this way. If only his neighbors or at least some weens call up social services and get Chris the help he needs in a group home but even that, with the bureaucracy, they can't guarantee in even visiting his home.
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Barb is what keeps Chris tied to 14BC. Chris gets out and does stuff in spite of Barb, not because of Barb.
 
Marvin said:
Barb is what keeps Chris tied to 14BC. Chris gets out and does stuff in spite of Barb, not because of Barb.
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So let me think. Without Barb, Chris will attempt to room-in with his gal-pals but quickly gets kicked out of their homes and complains about how even they're playing Kick The Autistic.
 
Alec Benson Leary said:
If he can graduate from a certificate program in college, he can get done trash bags and clean up a few rooms in his house.
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For sure. But it is legitimately a daunting task. Or at least it was pre-fire. Not sure how bad it is now. I would think that the best way to take care of it might be to pay a junk removal company to deal with it. But the sheer size of the hoard makes that a costly proposition. That type of job is usually charged by volume, and costs in the $30-$50 range for each cubic yard. Clearing 14BLC could be thousands of dollars. But if he is trying to take care of it himself without a truck, it could be weeks of fairly solid work and hundreds of dollars in gas.

Unless the post-fire hoard is substantially smaller than the pre-fire, it is a legitimate problem. Even if Chris has the best of intentions it is potentially logistically difficult, expensive, time consuming, and hard work to clean up. None of those are his strong suits.

Marvin said:
Barb is what keeps Chris tied to 14BC. Chris gets out and does stuff in spite of Barb, not because of Barb.
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I worry that Chris might stay in 14BLC by default.
 
timtommy said:
I worry that Chris might stay in 14BLC by default.
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When I say that Barb ties Chris to 14BC, I mean as far as socializing goes. The post I quoted kind of suggested that, without Barb, Chris would turn into a shut-in. It's actually the opposite: Barb is what keeps Chris stuck inside with her and the dogs. (Well, theoretically, anyway. Like I've mentioned, her hold on Chris has been slipping.)
 
I doubt Chris'll do anything about the hoard, Barb or no Barb.

He doesn't like it, sure, but does it really bother him enough to want to do anything about it? I doubt it, especially with blarms and puzzling about his sexuality commanding his attention.

Even if he does want to do something about it, I imagine the sheer scale of the task would put him off completely. The best I can imagine happening is begging for help with it on FB, or calling in Rocky if all else fails.
 
Lysistrata said:
I doubt Chris'll do anything about the hoard, Barb or no Barb.

He doesn't like it, sure, but does it really bother him enough to want to do anything about it? I doubt it, especially with blarms demanding his attention.
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Eh, he'll do something about it gradually. Verrry gradually. Probably just toss stuff away in mcdonald's dumpster once in awhile. Or sell stuff on ebay.
 
Marvin said:
When I say that Barb ties Chris to 14BC, I mean as far as socializing goes. The post I quoted kind of suggested that, without Barb, Chris would turn into a shut-in. It's actually the opposite: Barb is what keeps Chris stuck inside with her and the dogs. (Well, theoretically, anyway. Like I've mentioned, her hold on Chris has been slipping.)
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I feel like Chris is finally going through his teenage rebellion phase.
 
timtommy said:
For sure. But it is legitimately a daunting task. Or at least it was pre-fire. Not sure how bad it is now. I would think that the best way to take care of it might be to pay a junk removal company to deal with it. But the sheer size of the hoard makes that a costly proposition. That type of job is usually charged by volume, and costs in the $30-$50 range for each cubic yard. Clearing 14BLC could be thousands of dollars. But if he is trying to take care of it himself without a truck, it could be weeks of fairly solid work and hundreds of dollars in gas.
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No way he's paying to do that. More likely he just removes shit as he replaces it with his own clutter, which will be somewhat less hoard-y than the Blarb hoard. He'll also try to sneak it out in the normal trash without paying extra for it.

So it'll be more a process of gradually taking over the Hoard space with his own shit.
 
AnOminous said:
No way he's paying to do that. More likely he just removes shit as he replaces it with his own clutter, which will be somewhat less hoard-y than the Blarb hoard. He'll also try to sneak it out in the normal trash without paying extra for it.

So it'll be more a process of gradually taking over the Hoard space with his own shit.
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Here's hoping he doesn't attempt to shift big chunks of the hoard to the back yard and burn them.
 
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