Containment What will happen when Barb dies?

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Pony Horn said:
Also, does Cole hate his family enough to not sign any paperwork? I don't know what the ramifications of that would be but it could potentially make everything a nightmare for Chris.
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Cole hates Barb and tolerates Chris.
 
Slowinthemind said:
Can Chris really afford to maintain that house with his tugboat? It has already been remortgaged no doubt with very high interest rates due to their shitty credit, his only choice is to move to a rent controlled apartment and hope he can sell 14BC to pay for the deposit and rent for a few years. The reality though is that the house is a fucking wreck and not worth a lot since it will very likely be condemned and demolished, the only thing worth a few shekels is the land itself.
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Yeah, I guess you're right. I am not sure if he will actually choose to move out once it happens, but I doubt he'd want to be homeless. That is up in the air with me.
 
everythingisawkward999 said:
I'm gonna be :optimistic: here.

If Barb dies, then Chris might have a huge weight off his shoulders. He'll sell her hoard, or throw it out, making the house cleaner. He'll use his Patreon money to maintain it. He'll be given more opportunity around the place. Of course, he'd be grief-stricken and might even pause doing anything Sonichu related for a good while. But in the long run, I think it'd be good if she dies. Is it cruel to say she should die? Hmm, I'm questioning my morals.
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When Barb finally croaks the only tragedy will be how Chris is blind at how much his life has improved.
 
everythingisawkward999 said:
Yeah, I guess you're right. I am not sure if he will actually choose to move out once it happens, but I doubt he'd want to be homeless. That is up in the air with me.
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He will put it off for months somehow. Maybe even years.

Depending on how aggressive debt collectors are, he might even live in the Branchland Court shithole the rest of his life with a lien on the house.

Banks are not necessarily in a huge rush.
 
Pony Horn said:
When Barb dies the mortgage(s) will become due in full. So will the entirety of her credit cards debts and other loans. So there's no way he's keeping 14 BC.
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Chris will not be responsible for Barb's credit card debt. Unless they have a joint credit card account, or unless Chris agreed to serve as Barb's guarantor or co-signer or something, Barb's credit card debt will die with her. The worst the credit card companies could do is try to repossess any high-dollar items purchased on the card (good luck with that!) or try to make a claim against Barb's estate and get a lien placed on the house.

Chris's biggest worry re: the house should be the mortage(s) that are on the house. I have no idea of the value of the mortgages but, given the condition of the house, there is a very real possibility that the house is worth less than its tax assessment value and Chris could very well find himself upside-down on the mortgages.

Even though Chris has demonstrated a rudimentary understanding of finances and budgeting, I don't think he has the ability (to say nothing of the income) to maintain 14 BC. Along with the mortgage payment, he will need to deal with utilities, property tax, homeowners' insurance, ongoing maintenance expenses, and so on.
 
Muscle Bra said:
Chris will not be responsible for Barb's credit card debt. Unless they have a joint credit card account, or unless Chris agreed to serve as Barb's guarantor or co-signer or something, Barb's credit card debt will die with her. The worst the credit card companies could do is try to repossess any high-dollar items purchased on the card (good luck with that!) or try to make a claim against Barb's estate and get a lien placed on the house.

Chris's biggest worry re: the house should be the mortage(s) that are on the house. I have no idea of the value of the mortgages but, given the condition of the house, there is a very real possibility that the house is worth less than its tax assessment value and Chris could very well find himself upside-down on the mortgages.

Even though Chris has demonstrated a rudimentary understanding of finances and budgeting, I don't think he has the ability (to say nothing of the income) to maintain 14 BC. Along with the mortgage payment, he will need to deal with utilities, property tax, homeowners' insurance, ongoing maintenance expenses, and so on.
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I agree Chris isn't responsible for Barb's credit card debts (and auto loans, etc) after she dies. But the debts don't just disappear at that time. Her estate is responsible for them and the creditors have every right to go after their money as part of the settlement of the estate. When the money is gone the creditors are out of luck on the balance.

That's why I suggested a possible short sell because the loaners and mortgage lendee(s) will most likely settle for less than the full amount of what is owed them.

He might be able to make an agreement with the mortgage company to not pay the mortgage until the house is sold. Then the mortgage company will figure out how much is owed on the mortgage at the time of sale. It's been known to happen. That would make things a lot more manageable for Chris.
 
Pony Horn said:
That's why I suggested a possible short sell because the loaners and mortgage lendee(s) will most likely settle for less than the full amount of what is owed them.
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This raises two questions for me.

1. How much money could he get for short selling a hoarder's paradise in Ruckersville?
2. Can he keep a job long enough to help him pay the rent on whatever new residence he ends up living in?

In my personal opinion, I think he should move out of the Ruckersville/Charlottesville area and settle down in a place where half of his favorite hangouts haven't banned him. But then again I don't know anything about Chris outside of what I've read on the CWCki.
 
thismanlies said:
This raises two questions for me.

1. How much money could he get for short selling a hoarder's paradise in Ruckersville?
2. Can he keep a job long enough to help him pay the rent on whatever new residence he ends up living in?

In my personal opinion, I think he should move out of the Ruckersville/Charlottesville area and settle down in a place where half of his favorite hangouts haven't banned him. But then again I don't know anything about Chris outside of what I've read on the CWCki.
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A job? Quite unlikely. He's lazy and has always refused even searching for one.
Plus, he has had a steady income, his Etsy shop. He got banned because he took the money and skimped on the orders, sometimes outright refusing to send them.
 
I think there’s a high chance of Barb having debt in Chris’s name.
Regardless, they owe something like $200,000 on the house because Barb doesn’t care what happens when she’s dead.
 
Chan the Wizard said:
I think there’s a high chance of Barb having debt in Chris’s name.
Regardless, they owe something like $200,000 on the house because Barb doesn’t care what happens when she’s dead.
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Oh, we can just all assume she has stuff in Chris's name. I believe that she is that kind of person. Hell, I wouldn't be surprised if she took out credit in Bob's name. All that matters is buying crap, nothing else.
 
Barb was using Chris's credit cards to pay off her's, and he's mentioned co-signing for her and borrowing against his life insurance. She's fucked him over good.

Drawets Rednaxela said:
Cole hates Barb and tolerates Chris.
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This. A lot of people here think Cole is going to come down and try to sell everything and take whatever money he can get when Barb's gone, but why would he bother? He knows there's no money. Cleaning out the hoard and trying to sell the house would take months and he probably wouldn't make back the cost of plane tickets and hotel rooms. He cut his losses years ago.
Even if he wanted to help Chris deal with the mess she leaves, Barb's spent years telling Chris Cole abandoned her and is slow from hitting his head, Chris won't take any help he offers unless its in the form of money.
 
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I think Barb has been dead for a while and Chris just hasn't noticed

That or the horde is controlling her in full

And now it is moving on to Chris... Slowly sucking his life force which is why he has been up to less and less recently
 
Angel Bob said:
Chris won't take any help he offers unless its in the form of money.
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Or maybe a place to live. There's a sitcom waiting to happen. I've even got a theme song prepared...

♪ This time around ♪

♪ I'm stayin' at home ♪

♪ And things are gonna get much worse ♪

♪ Settlin' in ♪

♪ Toloratin' my bro ♪

♪ But then I got that e-mail ♪

♪ My Dumb Bro ♪ ♪ My Dumb Bro ♪

♪ Now each day my patience is gettin' shorter ♪

♪ Bob don't even remember sleeping with that lady but he did ♪


♪ My Dumb Bro ♪ ♪ He's comin' to stay ♪

♪ My Dumb Bro ♪ ♪ He's makin' each day ♪

♪ The worst that he can! ♪

♪ Also, he shits his pants! ♪
 
Angel Bob said:
Barb was using Chris's credit cards to pay off her's, and he's mentioned co-signing for her and borrowing against his life insurance. She's fucked him over good.


This. A lot of people here think Cole is going to come down and try to sell everything and take whatever money he can get when Barb's gone, but why would he bother? He knows there's no money. Cleaning out the hoard and trying to sell the house would take months and he probably wouldn't make back the cost of plane tickets and hotel rooms. He cut his losses years ago.
Even if he wanted to help Chris deal with the mess she leaves, Barb's spent years telling Chris Cole abandoned her and is slow from hitting his head, Chris won't take any help he offers unless its in the form of money.
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Are we really still at this stage of the debate? You're predicting the behavior of a person based on erratic past behavior in a future situation where it's unlikely anybody would behave in a predictable way. Grief breaks people, it fundamentally changes them in both short and long term ways. For all any of us know Chris could do anything from throwing a party to jumping off a building.
 
LazarusOwenhart said:
Are we really still at this stage of the debate? You're predicting the behavior of a person based on erratic past behavior in a future situation where it's unlikely anybody would behave in a predictable way. Grief breaks people, it fundamentally changes them in both short and long term ways. For all any of us know Chris could do anything from throwing a party to jumping off a building.
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the horde would break his fall
 
What's going to happen is that Cole will show up to the funeral, kind of hanging back, but Chris will spot him and they'll have a heart-to-heart. After resolving their differences they'll hug, and in a glorious flash of rainbow light, Chris will finally evolve into his busty female form and telekinetically fly off into the sunset, leaving behind only a puddle of semen on the graveyard sod.
 
LazarusOwenhart said:
Are we really still at this stage of the debate? You're predicting the behavior of a person based on erratic past behavior in a future situation where it's unlikely anybody would behave in a predictable way. Grief breaks people, it fundamentally changes them in both short and long term ways. For all any of us know Chris could do anything from throwing a party to jumping off a building.
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We could only hope for the later. Then again he'd find some way to screw that up too.
 
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