Like Barb was sitting in the driver's seat. She put her foot on the gas and drove and hit Snyder with the car.
They switched places and Chris hit Snyder too. (Note: not sure which happened first. Chris hitting Snyder or Barb, but they both did it once.)
To me, that was the most damning part of the entire incident.
Like, if only one of them had hit Snyder, it wouldn't have been too hard for an attorney to argue that the situation escalated quickly, the person behind the wheel panicked, and then play the senile old lady or the autistic tard card to claim things got out of control and they just made a mistake. However, stopping the car, changing places, and running the poor bastard over again made the second person's actions willful.
That darn dirty Jew was actually a pretty good person for not pursuing the incident further than he did.
I know the payments are still due and the mortgage isn't due in total immediately but isn't that just temporary? Either Chris has to refinance or he has to sell the house. He can't just keep on paying Barb's mortgage payments indefinitely. And like you said, he can't refinance.
That's what I meant but I kinda wrote it in shorthand. Was I incorrect?
At the risk of oversimplifying, a mortgage is a long-term loan on a property that uses the property as collateral. As long as payments continue to be made on the loan, most banks aren't really going to give much of a shit who is making the payments.
Even once the mortgagee gets behind on payments, most banks will work with the borrower rather than repossess the house. Why? Because banks aren't in the home-selling business. A mortgage represents a stream of revenue and a bank would rather have a potential revenue stream on their books than an "asset" that needs repairs made, has property taxes that need to be paid, that needs to be sold to realize a gain, and requires you to pay a commission to the broker who sells the house.
While I don't know the details of how much is owed on the house/the amount of the payments, as long as Chris continues to make some sort of semi-regular payment on the mortgage, I would think the bank would try to work with him. Realistically, though, I'm pretty sure Chris will get seriously behind on his payments and, at that time, the bank might look into refi options. However, when they see Chris, look at his work history, and determine the likelihood of him being gainfully employed in the future, he will likely have a snowball's chance in hell of getting approved for a mortgage. Then, the big questions determining what's going to happen will be how much is owed on the mortgage(s) and what the value of 14 BC is, given its condition.
