Chris - The Legal Issues - A Prosecutor's Perspective

[AnOminous]

Doesn't matter if he's on the mortgage or the title. As long as he's allowed to inherit it, he can inherit the mortgage.

He doesn't directly "inherit" the mortgage, because that runs with the land. Whoever ends up with the land and the house ends up having to deal with the mortgage (or forfeit on it). An inheritor who chose simply to walk away could probably not be hit with a deficiency judgment in a short sale on a mortgage agreement they never signed. They just wouldn't get the house.

Another possibility is Cole decides it would buy him a decent amount of craft beer to try to extricate the house from the situation, and flip it or whatever. If Barb dies intestate, and she's pretty shockingly irresponsible so this seems likely, Cole and Chris would share equally. So Cole could do anything from fixing up the house and selling it out from under Chris to forcing a partition sale before the inevitable foreclosure and seeing if he can manage to get some pittance out of it. (Odds are probably no but we don't really know.)

 

[Pointless Sperg]

He doesn't directly "inherit" the mortgage, because that runs with the land. Whoever ends up with the land and the house ends up having to deal with the mortgage (or forfeit on it). An inheritor who chose simply to walk away could probably not be hit with a deficiency judgment in a short sale on a mortgage agreement they never signed. They just wouldn't get the house.

Right, but what I'm saying is that if Chris inherits the land, he inherits the mortgage under the same terms. The bank has to accept it as long as Chris keeps paying. They can't say "Sorry, you weren't a co-signer. We're claiming the remaining principal in full. Now."

Another possibility is Cole decides it would buy him a decent amount of craft beer to try to extricate the house from the situation, and flip it or whatever. If Barb dies intestate, and she's pretty shockingly irresponsible so this seems likely, Cole and Chris would share equally. So Cole could do anything from fixing up the house and selling it out from under Chris to forcing a partition sale before the inevitable foreclosure and seeing if he can manage to get some pittance out of it. (Odds are probably no but we don't really know.)

You could definitely make money flipping it, but the question is if Cole wants to deal with Chris in the process. He's intentionally washed his hands of his relatives so probably not. (Though I wonder if he talks to Aunt Harriet?)

I could see Cole just not wanting to go through the effort of traveling down to Virginia to deal with it.

EDIT: Cole was clearly not involved up through November, since Chris would have almost certainly mentioned it when he named his other relatives involved to Kengle.

 

[A Grey Cat]

The radio silence is what's making me wonder. I at first assumed that the six month continuance (people keep saying 5, but it's just a few days short of 6) was simply to run out the clock -- but we haven't heard from Chris for a long time now.

I dug up that in Virginia six months is a typical period of delay for when someone is found incompetent to stand trial and is sent to medical to be treated. While I still don't think this is what happened, the longer we don't hear from Chris the more I will wonder if this is what happened. If this is the case the jail saga is gonna continue longer.

While Chris couldn't pull off an NGRI plea, his latest letters have gotten so unhinged it's possible he could be found incompetent.

It won't save him from a conviction, but could keep him confined indefinitely -- it's one of the few situations where you can still hold someone as long as needed against their will. Chris' attorney would have to be on board with it though, so there'd have to be a good reason. That's what really makes me doubt this is happening.

Naturally if I post this we'll hear from Chris the next day probably.

EDIT: Maybe @Spamton G. Spamton will get a response. I think he was going to send off a letter today.

The radio silence could be anything from heilburg telling him to stop talking to people on the outside while being vaugley aware that the jail letters are reaching something of a public audience, and he wants to keep this case as quiet as possible. (Poor deluded jewboy) Or even Chris simply got bored with writing letters, and isn't answering anymore till after July. (Assuming he's released by then)

No legos

Depending on what kind of tard house Chris ends up in they might have plenty of Legos for the patients to play with. Chris just won't be able to keep any in his room or sculpt fake guns outta them.

 

[Tennis-Ball-Tony]

Before the incest saga I more or less assumed that this is what would happen when Barb died, since with Barb's debts discharged Chris could afford the mortgage on his tugboat and just learn to eat ramen.

After the house fire, I did a casual run down of the monthly expenses of 14 Branchland (that I wish I could find) and basically with all utilities and known expenses of local places, like garbage collection, power bill averages, taxes, Chris could very well keep up with it all, but it would have left him about $300 per month. Granted with a roommate, he could more easily afford everything, and say, getting rid of trash service and using the county dump sites would get him even more money per month.

 

[RodgerDodger]

Right, but what I'm saying is that if Chris inherits the land, he inherits the mortgage under the same terms. The bank has to accept it as long as Chris keeps paying. They can't say "Sorry, you weren't a co-signer. We're claiming the remaining principal in full. Now."



You could definitely make money flipping it, but the question is if Cole wants to deal with Chris in the process. He's intentionally washed his hands of his relatives so probably not. (Though I wonder if he talks to Aunt Harriet?)

I could see Cole just not wanting to go through the effort of traveling down to Virginia to deal with it.

EDIT: Cole was clearly not involved up through November, since Chris would have almost certainly mentioned it when he named his other relatives involved to Kengle.

But Aunt Hariet seems clueless. All of these years and she still hasn't figured out Chris is Batman?

 

[AnOminous]

Granted with a roommate, he could more easily afford everything, and say, getting rid of trash service and using the county dump sites would get him even more money per month.

Lmao moar like cancel trash service and then just restore the hoard with literal garbage.

 

[King Kiwi]

He doesn't directly "inherit" the mortgage, because that runs with the land. Whoever ends up with the land and the house ends up having to deal with the mortgage (or forfeit on it). An inheritor who chose simply to walk away could probably not be hit with a deficiency judgment in a short sale on a mortgage agreement they never signed. They just wouldn't get the house.

Another possibility is Cole decides it would buy him a decent amount of craft beer to try to extricate the house from the situation, and flip it or whatever. If Barb dies intestate, and she's pretty shockingly irresponsible so this seems likely, Cole and Chris would share equally. So Cole could do anything from fixing up the house and selling it out from under Chris to forcing a partition sale before the inevitable foreclosure and seeing if he can manage to get some pittance out of it. (Odds are probably no but we don't really know.)

I would give anything to know what Cole said/did when the authorities reached out to see if he would take care of his mother and if he knew anything about his sister raping her.

 

[oramge cat]

Didn't they get Chris to blaze 420? Don't know much about the devil's lettuce but it seems non addictive. I'm actually surprised Chris (or a ween) hasn't done any drugs yet. It's one of the vows in CWC's future message he hasn't broken. With the trend of how things are going? Who knows.

Chris has smoked pot and seemed to enjoy it but he's the kind of smoker that doesn't seek out pot but will partake if he's with a group of people he feels he can trust that offer him some. Even that is a relatively recent development.

 

[A-№1]

Doesn't matter if he's on the mortgage or the title.

Only after Barb dies, which is my point. Until then, Chris has zero legal interest in the property. While Barb lives, she can sell it out from under him, or the bank can foreclose it, or whatever, and Chris would have no recourse.

As long as he's allowed to inherit it, he can inherit the mortgage. He doesn't need to get approved for it, as long as it's a normal mortgage and not a reverse mortgage. As long as he honors Bob and Barb's contract, he's good.

The bank is required to allow an heir to assume the existing mortgage contract, but not any specific heir. To quote Yoda: "There is another."

I'm sure the bank would much rather deal with Cole than Chris, assuming Cole wants to make a fast buck on 14BLC.

with Barb's debts discharged Chris could afford the mortgage on his tugboat and just learn to eat ramen.

But could he also afford the additional debt he'd need to take on to cash out Cole for his share of the inheritance?

I doubt Barb has any sort of will, and I can easily see Cole sauntering in for a quick payout when she dies.

You could definitely make money flipping it, but the question is if Cole wants to deal with Chris in the process.

Depending on how deeply he wants to get stuck in, Cole would only have to deal with probate and the creditor. He could swing it without having to deal directly with Chris at all.

Depending on what kind of tard house Chris ends up in they might have plenty of Legos for the patients to play with.

But they wouldn't be his legos. Chris would need to learn to share. Also I doubt the other house residents would appreciate Chris' "anointing" the public legos to sanctify them for the dimensional merge or whatever.

Lmao moar like cancel trash service and then just restore the hoard with literal garbage.

More literal garbage.

The only difference would be the hoard's growth rate.

 

[Holiday Special]

Chris knows he cannot go back to 14BC. Probably infomed around the time he started demanding he be returned to the Sonichu Temple in his letters

 

[Tennis-Ball-Tony]

Before the incest saga I more or less assumed that this is what would happen when Barb died, since with Barb's debts discharged Chris could afford the mortgage on his tugboat and just learn to eat ramen.

I seem to recall reading something about Barb getting Chris to cosign on her loans, or something along that line. I don't know if it was some Marvin talked about on here or something on the CWCki that I can't find anymore. I know she borrowed against his life insurance, but I really seemed to remember that Chris was on the hook for something...

 

[King Kiwi]

Chris knows he cannot go back to 14BC. Probably infomed around the time he started demanding he be returned to the Sonichu Temple in his letters

We'll see what happens.

 

[Ophelia]

Chris knows he cannot go back to 14BC. Probably infomed around the time he started demanding he be returned to the Sonichu Temple in his letters

Knowing and comprehending are different things. I’m not sure Chris even really believes it. He thinks he’s the main character of life and something will come up to sort out whatever difficulty he’s having.

 

[jc17]

Chris knows he cannot go back to 14BC. Probably infomed around the time he started demanding he be returned to the Sonichu Temple in his letters

Chris knew he couldn't go back to the game and hobby place, but that didn't stop him.
Now with this God complex, I'm certain nothing will stop Chris from going back to Barb's home.

 

[oramge cat]

Teenagers could make prison pruno too. Shitty ditchweed grown by retards is no substitute for 30%+ THC indica or really any of the fancy strains dispensaries generally overcharge yuppies for. People generally want weed where it knocks you on your ass in one hit, not some shit you can smoke all day without getting anything but a headache.

I am mega salty about this, all the good strains from the past have been crossbred out of existence and finding weed you can relax and smoke a couple joints while you watch a movie is so hard because it's all bred to taste like fucking Baskin Robbins ice cream and put you to sleep after one hit.

 

[Shovel Mech Pilot]

I'm sure the bank would much rather deal with Cole than Chris, assuming Cole wants to make a fast buck on 14BLC.

There's probably no way to make a fast buck on 14BC. It's common for hoarder houses to be so toxic that it can't be remediated. I'm sure there's animal feces baked into the floor, mold throughout the building, etc. I guess they could bulldoze the house and sell the land but at that point there's very little profit to be made. The bank might have to take a loss on this one, since when Barb kicks the bucket I doubt Cole will want it, and Chris will immediately default on the mortgage.

Also, even if Cole took possession of 14BC with the intent to flip it, he'd still have to evict Chris. Even though Chris is in jail, he still has a right to residency at 14BC. I highly doubt Cole would want to deal with that bullshit, since you know Chris would make the whole process intolerable as best he could.

 

[A-№1]

I'm sure there's animal feces baked into the floor, mold throughout the building, etc.

All of which can be easily mitigated and sealed. It's basically just a big cleanup job. The structure is still sound since it was rebuilt recently, and likely had a lot of the problems inherent to balloon framed split levels corrected then. Look up above in this thread to see what needs doing. A competent crew could renew the interior in just a few weeks. You might not make a huge profit on the flip, but unless you're completely incompetent, you'd definitely make a profit. And local housing values are only going to go up after the Chandlers are all finally gone.

Also, even if Cole took possession of 14BC with the intent to flip it, he'd still have to evict Chris.

I don't think Cole would have any compunctions about that.

he still has a right to residency at 14BC.

Does he? Where do you get that idea from? He's not on the mortgage or the title. He doesn't have a lease from Barb.

 

[catinasock]

Another possibility is Cole decides it would buy him a decent amount of craft beer to try to extricate the house from the situation, and flip it or whatever. If Barb dies intestate, and she's pretty shockingly irresponsible so this seems likely, Cole and Chris would share equally. So Cole could do anything from fixing up the house and selling it out from under Chris to forcing a partition sale before the inevitable foreclosure and seeing if he can manage to get some pittance out of it. (Odds are probably no but we don't really know.)

sorry if there's something i've been missing but i was under the impression that cole wanted nothing to do with barb and that the feeling was mutual? if he was split on the house with chris would chris even be able to accept the inheritance from jail?

 

[Pointless Sperg]

sorry if there's something i've been missing but i was under the impression that cole wanted nothing to do with barb and that the feeling was mutual? if he was split on the house with chris would chris even be able to accept the inheritance from jail?

Yes, being in jail, particularly pre-conviction, doesn't somehow take away Chris' right to inherit or own property. It just makes it much, much more difficult logistically for him to defend that claim. Also, Chris is stupid and can't really fathom what he'd need to do even in the best of circumstances.

 

[PsychoNerd054]

@The American Hedgehog is it possible to get the Jail/court FAQ upgraded to a stickied thread so that people have the opportunity/are encouraged to read it before posting? It would be nice to have it there so people don't keep asking the same questions.

I'm retarded so if there's something blatantly wrong in it I'm happy to fix it with input from others, but I've tried to keep it as accurate as I can, or we could have other more qualified people maintain it, etc.

I stickied it on the Jail Saga page on the CWCki, too. I felt your FAQ thread could come in handy with common misconceptions about Chris's case.