Bank Documents [18-Sept-2021] - Didn't learn a thing from the bankruptcy

The bankruptcy should have been his wake up call. Having all of your debts wiped clean except your mortgage and car payment and still making 10k a month should be the time you re evaluate and say "I messed up but was fortunate enough to get a fresh start" but no...this guy can't stop. It's actually really sad and I'd feel bad for him if he wasn't such a narcissistic asshole.
However, it seems to make him feel like he can just postpone any debts or any payments until his next bankrupcty. That's why he was talking about not "be elegible to another bankrupcty for another 5 years. So I need to hold until then". He's THAT stupid,
 
I'm very skeptical regarding this supposed transaction history. That'd be too good to be true. And also very illegal, I presume.
Same.
That said, it's not really necessary to know where the money is going, because with his debt cleared there isn't anywhere reasonable for $10k monthly to be disappearing to after bills are covered.

I'm actually mildly surprised that he is fucking up as bad as some of our worst predictions. I thought he'd at least have something, but he clearly completely scales his spending to his income. Shy of him having the high-interest credit card, this is about as bad as things could get in terms of mishandling his money. He's a trainwreck.

Why would he stop? I guarantee that even if all of this is proven to be true and all of his whales learn about it, he'll still be enabled by them.
While discouraging that he hasn't suffered any consequences, he is also still locked into this misery.
All the more reason to just laugh at anyone who tips. It literally does not matter what they give him, he will squander it. All of it.
 
Yep. Parents who value "expressing their love" for their child over setting them up to be a functional human being.
IMO, almost every child is born with a 'clean slate' to say the least obviously less any mental deficiencies like Down's syndrome or any physical deformities. Phil literally grew up in the '80s and '90s to a middle class family. I'm not saying he had the 'perfect' childhood, but from his stories, he didn't seem to have many if any hardships growing up in life. He was probably very spoiled as a child and him not getting that Wolverine statue probably hit his ego hard. His parents failed to discipline him and everything the past 20-25 years or so is the accumulation of shitty parenting all the way up until he was old/'mature' enough to make his own decisions. Sadly, he went down a dark path in life, and he hasn't been able to fully recover although he has been given ample opportunities to do so. If he wants to live the rest of his life begging from paycheck to paycheck, so be it. He's going to have to live with those consequences and subsequently, a niche portion of the Internet laughing at his every move.
 
If he wants to live the rest of his life begging from paycheck to paycheck, so be it. He's going to have to live with those consequences and subsequently, a niche portion of the Internet laughing at his every move.
This is what baffles me, tbh. How is he gonna stream for another 10, 20 or 30 years yet? He just pushes the goal, like he said we do. I've never seen someone with ZERO plans to the future. And like you said, he's living from paycheck to paycheck in a extremely unstable 'job'.

Wings, at least, noticed how bad of a future this is, although he's still begging too.
 
Sadly, he went down a dark path in life, and he hasn't been able to fully recover although he has been given ample opportunities to do so. If he wants to live the rest of his life begging from paycheck to paycheck, so be it. He's going to have to live with those consequences and subsequently, a niche portion of the Internet laughing at his every move.
What about the people who give him money, though? Any insight into them?
Some seem to have suffered some genuine hardships and are taken in by his begging, believing that he, like them, understands what it is to struggle. They would seem to be victims of his deception.
Others seem to be completely unphased by his lying and just take satisfaction in watching him beg and be reliant on them. That doesn't seem very healthy on their part.
The problem is that this dance requires two parties - Phil on his dark path and his financial supporters.
 
Sadly, he went down a dark path in life, and he hasn't been able to fully recover although he has been given ample opportunities to do so. If he wants to live the rest of his life begging from paycheck to paycheck, so be it. He's going to have to live with those consequences and subsequently, a niche portion of the Internet laughing at his every move.
Does that mean you're done supporting him or are you going to continue helping him get thousands of dollars every week?
Because that kind of thing certainly helps people not have to face the consequences of their actions.
 
Furthermore, I have a feeling that our new mystery friend has more in store for us in the coming days. I'm sure he didn't want to blow his entire load all at once. Whatever he did has obviously hit Phil hard. Phil doesn't even want to address this issue at all so you know it's pretty serious.
 
People change because they suffer consequences for their choices that force them to change. Phil is always supported by his pack of retardos, regardless of how stupid he is with his money.
Yep, and this is one reason I suspect his Chapter 7 filing being granted, while seeming to be unfair "blessing" in the short term, may in the eventually prove to have been one of the worst things that could've happened to him. And to anyone who says, "Knowing pigroach luck, he'll just have it granted again when he next files"... even if this ends up true (I'm kind of skeptical, but at the point, who knows), surely we can agree that this is no way to live in the long run, if only because of the continuous stress induced by not having your shit together (which I think already is affecting Phil).
 
We actually don't know exactly what happened. I'm still kind of dumbfounded by everything so far. I'm guessing some sort of social engineering occurred since literally all of Phil's sensitive information is out there.
Yeah, I think our leaker here probably has spent a huge amount of time on those leaks. It's not like he just needed to guess a password or something, this is way more complex.
 
This is what baffles me, tbh. How is he gonna stream for another 10, 20 or 30 years yet? He just pushes the goal, like he said we do. I've never seen someone with ZERO plans to the future. And like you said, he's living from paycheck to paycheck in a extremely unstable 'job'.

Wings, at least, noticed how bad of a future this is, although he's still begging too.
What about the people who give him money, though? Any insight into them?
Some seem to have suffered some genuine hardships and are taken in by his begging, believing that he, like them, understands what it is to struggle. They would seem to be victims of his deception.
Others seem to be completely unphased by his lying and just take satisfaction in watching him beg and be reliant on them. That doesn't seem very healthy on their part.
The problem is that this dance requires two parties - Phil on his dark path and his financial supporters.
Does that mean you're done supporting him or are you going to continue helping him get thousands of dollars every week?
Because that kind of thing certainly helps people not have to face the consequences of their actions.
Yep, and this is one reason I suspect his Chapter 7 filing being granted, while seeming to be unfair "blessing" in the short term, may in the eventually prove to have been one of the worst things that could've happened to him. And to anyone who says, "Knowing pigroach luck, he'll just have it granted again when he next files"... even if this ends up true (I'm kind of skeptical, but at the point, who knows), surely we can agree that this is no way to live in the long run.
This is the reason why he's a prime lolcow. Phil will never learn from his mistakes and continue to 'try and make ends meat' streaming on Twitch, YouTube, or whatever platform comes out in the future. There is a reason why his nickname is 'pigroach'. He's literally a roach and will do anything to survive. It's exactly how he got into hundreds of thousands of credit card debt and then fought to get it dismissed. He's a scammer at the end of the day and will 'play the system' in order to get by. All he has to do is wait out a few more years before he can get credit cards again, and then he will just repeat the process again until he dies. He has no kids so inheritance of his debt won't matter at all. He has literally been freeloading on life for the past 20 years and will continue to do so until he dies. He will have literally spent millions of dollars throughout his life with nothing to show for it, but that doesn't matter to Phil. At a basic level, he just wants to survive and continue whatever weird recluse-like lifestyle he wants to live. Eventually, if he lives long enough to make it, he will have reached 'retirement' age and be able to draw on Social Security (if it's still around then) and live off that and streaming. He doesn't want to change and will continue streaming until the day he dies. He knows this and it eats him up inside every day.
 
We actually don't know exactly what happened. I'm still kind of dumbfounded by everything so far. I'm guessing some sort of social engineering occurred since literally all of Phil's sensitive information is out there.
I mean SSNs issued before the 2010s followed pre-defined patterns based on where your birth was registered. I'm guessing boooof guessed his SSN and his bank account since the last four was available and kept trying them until a combination worked.
 
Does that mean you're done supporting him or are you going to continue helping him get thousands of dollars every week?
Because that kind of thing certainly helps people not have to face the consequences of their actions.

No one should believe this guy and anything he says like "Phil should learn a lesson from this" and other such bullshit because he's the one enabling him. Unless he puts his money where his mouth is and fucks off out of the vortex, then he'll be right.

Anyone having a discussion with him and agreeing is just being trolled. And it's not even good trolling.
 
So what did we actually learn from the credit documents?

- Phil has been late on 2 mortgage payments, 8/2021 and 9/2021. But he never missed one before then. (On the WAKhando, that is)
- According to Equifax he has no new accounts since May 2017. Weren't we theorizing that he was already loaded up on new credit? Guess not. There are no hard inquiries since the bankruptcy, so it seems like he hasn't even tried to get new credit.
- There is a bunch of missing data on his Toyota car loan from 2020. Did he miss payments and then do the ol' "credit dispute" rope-a-dope to clean up his record a bit? According to Experian he might have paid some a bit late, and there is a weird triple-size payment in November 2020.
- He's into checking his credit often now, according to Experian. He seems to pull every 2 weeks on Experian and every 3 days on Credit Karma.

So what I'm gathering is that Phil's finances are just a straight pipe from Paypal to Scopely, unless we get some bank records that demonstrate anything interesting.
 
Yeah, I think our leaker here probably has spent a huge amount of time on those leaks. It's not like he just needed to guess a password or something, this is way more complex.
He had access to these reports in some fashion. I am personally hoping for a content drip, as we look for gold in the available information. It is like an extremely autistic treasure hunt adventure.
 
About the SSN: someone posted in another thread here on KF about how to get it. If you know someone's dox and part of their SSN, you can try logging into some government websites that use the SSN as a key. It's like getting a free yes/no answer on each guess - if it lets you in then you got it right. There are sites that will automate this process for you.
 
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