Containment What will happen when Barb dies?

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WhatNemesisMeans said:
Chris knows how to handle bills. The real problem is how he will deal with the huge debt Barb is going to leave him.
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Fortunately, (or unfortunately, however you wish to look at it) Chris cannot inherit his mother's debts.

What could happen, is if the house is in Barb's name still, when she dies, the creditors could swoop in and collect as much of her property as they can to get their money back. Is Barb in so much terrible debt that they could take the house right out from under Chris? I don't know, but if so, that is gonna shatter Chris pretty hard.

if Barb changes the title of the house to Chris, that might protect him. I'm not sure if it can work like that though (if it does, it seems like a pretty easy system to exploit)
 
Galvatron said:
Is Barb in so much terrible debt that they could take the house right out from under Chris?
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Yes, we know that she is liable fuer something like $25k in credit-card debt (and that's just the ones that went to court), those creditors have likely a lien on the house (which I understand is extremely easy and inexpensive after a judgement in their favour).
In addition to that, it is likely that Barb has taken out a 2nd mortgage after the fire (Chris said $115k), which means that there is likely about $100k left on her mortgage.

So assuming these two things are the only debt that Barb has (which is unlikely), the creditors would force a sale of the house after Babe dies (which will happen),
14BC will go through a foreclosure.
Zillow values a house in that area at $165k, 14BC might fetch $120k if we consider the huge amounts of Barbage and the damages to the house (floor will have to be replaced because it is soaked in feces from the pets etc.) and that it will be a foreclosure)
Chris will inherit everything that is left over, which is to say nothing unless he can pay off the creditors first (and it will be hard for him to get a $130k mortgage with 0 down on a house that is barely worth 130 in its present condition.

Galvatron said:
if Barb changes the title of the house to Chris, that might protect him. I'm not sure if it can work like that though (if it does, it seems like a pretty easy system to exploit)
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That would likely need the go ahead from whatever bank that she has the mortgage with and would Chris require to take out a loan for the remaining mortgage balance plus whatever other amount that is in liens on the house (likely another $35k), not going to happen.
 
January Cyst said:
Yes, we know that she is liable fuer something like $25k in credit-card debt (and that's just the ones that went to court), those creditors have likely a lien on the house (which I understand is extremely easy and inexpensive after a judgement in their favour).
In addition to that, it is likely that Barb has taken out a 2nd mortgage after the fire (Chris said $115k), which means that there is likely about $100k left on her mortgage.

So assuming these two things are the only debt that Barb has (which is unlikely), the creditors would force a sale of the house after Babe dies (which will happen),
14BC will go through a foreclosure.
Zillow values a house in that area at $165k, 14BC might fetch $120k if we consider the huge amounts of Barbage and the damages to the house (floor will have to be replaced because it is soaked in feces from the pets etc.) and that it will be a foreclosure)
Chris will inherit everything that is left over, which is to say nothing unless he can pay off the creditors first (and it will be hard for him to get a $130k mortgage with 0 down on a house that is barely worth 130 in its present condition.



That would likely need the go ahead from whatever bank that she has the mortgage with and would Chris require to take out a loan for the remaining mortgage balance plus whatever other amount that is in liens on the house (likely another $35k), not going to happen.
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So, it doesn't look good for Chris after the old witch dies? Poor bastard...
 
January Cyst said:
Yes, we know that she is liable fuer something like $25k in credit-card debt (and that's just the ones that went to court), those creditors have likely a lien on the house (which I understand is extremely easy and inexpensive after a judgement in their favour).
In addition to that, it is likely that Barb has taken out a 2nd mortgage after the fire (Chris said $115k), which means that there is likely about $100k left on her mortgage.

So assuming these two things are the only debt that Barb has (which is unlikely), the creditors would force a sale of the house after Babe dies (which will happen),
14BC will go through a foreclosure.
Zillow values a house in that area at $165k, 14BC might fetch $120k if we consider the huge amounts of Barbage and the damages to the house (floor will have to be replaced because it is soaked in feces from the pets etc.) and that it will be a foreclosure)
Chris will inherit everything that is left over, which is to say nothing unless he can pay off the creditors first (and it will be hard for him to get a $130k mortgage with 0 down on a house that is barely worth 130 in its present condition.



That would likely need the go ahead from whatever bank that she has the mortgage with and would Chris require to take out a loan for the remaining mortgage balance plus whatever other amount that is in liens on the house (likely another $35k), not going to happen.
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I doubt the house itself is worth anything, hoarders homes stink really bad and they require a team of very expensive cleaners working often for weeks to "fix". My guess is they will bulldoze the house and sell the land or rebuild on it, this is the cheapest and most health and safety conscious decision.
 
Slowinthemind said:
I doubt the house itself is worth anything, hoarders homes stink really bad and they require a team of very expensive cleaners working often for weeks to "fix".
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That is to be expected.
The house doesn't cover the mortgage plus liens on the house, so that will be gone fairly swiftly (although they would likely have to evict Chris first).
Unless Barb has any other assets to cover the remaining debt (which will another tens of thousands), Chris will be kicked out eventually.
On the plus side, Chris cannot inherit any of Barb's debt.
 
Clintonberg said:
Assuming Borb is a lich, would it be safe to say that Chris is the magical artifact keeping her alive?
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Sonicfail.jpg


Now it all makes sense, someone needs to destroy her phylactery!
 
Ophelia said:
We don't know for sure what the mortgage is. Chris either made that number up or Barb did. It could be more, it could be less.
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It's almost irrelevant.
Even if she doesn't have a mortgage, she has other outstanding judgements (at least $35k) that would need to be satisfied out of her estate before the house could be transfered to Chris.
So best case scenario:

Barb passes and leaves the house to Chris.
Chris would then have to approach a bank and take out a mortgage to pay off all the liens on the house ($35k plus upcoming and ones in the past thanks to Barbs spending habits).


In short, even disregarding a mortgage, Chris wouldn't just inherit the house no strings attached.
He'd have to come up with tens of thousands of dollars on the spot to lift the liens and prevent a foreclosure.
 
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I'm not sure if it's been mentioned or not, and I just had this thought.

How soon after Barb dies would we know? Does Chris check on her beyond relying on her for money and possible meals? Would she pass long before anyone finds her?
 
m0rnutz said:
How soon after Barb dies would we know? Does Chris check on her beyond relying on her for money and possible meals?
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Chris does check on her every day, I'm sure.
He does supply her with :qsand:, so he would know fairly quickly.
How soon he will tell us is another matter, I'm sure he'll call 911 and Rocky, but for us to know he would have to post it online or tell a :epik:, if there is one undercover at that moment.
Other than that, likely the online orbituary that everyone seems to get these days.
 
What I'm missing in this thread is the fact that Chris won't be able to handle Barbs death.

As in, literally.

He may very well completely lose his marbles after she's gone. Thats not me trying to be edgy, its more about Barb being Chris his entire world. With Barb gone we might also lose Chris to an institution or something. Without Barb Chris is completely alone, which is already a scary thought for most of us, but even more so for Chris.

So lets hope theres still some life left in the old gal.
 
Goochole said:
e we might also lose Chris to an institution or something.
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This comes up every few pages and will not happen, unless he commits some sort of crime that would warrant incareration.
Unless someone like Rocky can get him to commit himself voluntarily, and even then this would have to be paid for by his insurance.
There are very few state run Asylums in the US, and those are generally prison-like for the really nutty and dangerous folks.
There is a fairly recent documentary by Louis Theroux "By Reason Of Insanity" that gives an insight into these facilities.
 
The government will continue supporting Chris even after Barb kicks the bucket
 
According to Marvin, Chris does have friends (and of both sexes), or at least people willing to put up with him. Chris does go out and do things. Losing Barb will kick his ass, but it won't leave him completely isolated.
 
January Cyst said:
This comes up every few pages and will not happen, unless he commits some sort of crime that would warrant incareration.
Unless someone like Rocky can get him to commit himself voluntarily, and even then this would have to be paid for by his insurance.
There are very few state run Asylums in the US, and those are generally prison-like for the really nutty and dangerous folks.
There is a fairly recent documentary by Louis Theroux "By Reason Of Insanity" that gives an insight into these facilities.
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Like macing store employees, running store managers over, that kinda thing?

What about just being buried in the hoard, having pet shit everywhere (Barb makes him clean this up) and basically just living in a bio hazard?

Ophelia said:
According to Marvin, Chris does have friends (and of both sexes), or at least people willing to put up with him. Chris does go out and do things. Losing Barb will kick his ass, but it won't leave him completely isolated.
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Oh sure, I've seen plenty of people who "had all that", until the person did in fact end up alone. And they all fled after a few weeks of "putting up with them".

You can only see who your TRUE and HONEST friends are when you truly need them.
 
Goochole said:
Like macing store employees, running store managers over, that kinda thing?

What about just being buried in the hoard, having pet shit everywhere (Barb makes him clean this up) and basically just living in a bio hazard?



Oh sure, I've seen plenty of people who "had all that", until the person did in fact end up alone. And they all fled after a few weeks of "putting up with them".

You can only see who your TRUE and HONEST friends are when you truly need them.
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No, more like murder.
All the other things are just misdemeanors or at best assault and would land him in jail for a while.
The other things are just violations of city/county code and that only if there is someone to really force this.
The yard isn't that bad and according to others, the area is kinda trashy anyway so having vehicles and lawnchairs out on the gras isn't uncommon and the neighbours are too far away to be inconvenienced by the smell, if there is any outside.

To reiterate:

In order to be involuntarily commited for longer periods of time, Chris would have to do a lot more than running people over with his car or giving them a spritz with pepper-spray.
The homeless population in the US is full of people considerably more deranged and dangerous than Chris and they get to roam the streets freely.
 
We almost need a FAQ entry about why Chris isn't going to be dragged off to an asylum/sped house/orphanage. Assuming we don't already have one.
 
Something to remember is Chris's mental state is a mix of a 4yo boy, a 10yo child, a 12yo with puberty, and whatever age he is now. Assuming this goes in values of what is more of an influence for his actions, he's not adult enough to kill anyone.

That's more or less how his autism works, anyway. Chris is more high-functioning versus someone like Phil, who is just a moderate autist/weeb with aspergers. He's a child in a teenager trapped in an adult Jabba the Hutt
 
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