Chris and his finances: An in-depth review of his debt

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Thanks to his incompetence, it's (the dept) probably deeper than his pockets
 
Bloody hell, it's bad enough when someone with a modicum of financial stability gets into debt, but this?? Looks like we can look forward to the next epic saga of the CWC story: "Chris and the Debt Collectors"
 
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Drakodan said:
Bloody hell, it's bad enough when someone with a modicum of financial stability gets into debt, but this?? Looks like we can look forward to the next epic saga of the CWC story: "Chris and the Debt Collectors"
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or chris goes postal!
 
Everyone keeps talking about "Well Chris could just stop paying cause his money is untouchable" or "why would creditors give this to a guy who they can't garnish" or "Chris should just strategically stop paying and he'd make out like a bandit" but there's one specific thing that is overlooked.

We, on this forum, are intellectual marvels compared to Chris. WE know they can't garnish his tugboat and it's incredibly likely that Chris and Barb don't know that. No one's going to tell them, no one's looking out for them, and realistically any card Barb's name isn't on is one she doesn't know or care about.

Chris will never not pay the minimum until there comes a time (after Barb's passing when he has rent and food to pay too) when he literally can't pay it. And when that time comes, no one's going to tell him he can just stop paying, he's going to do it because that's the only option his tiny little brain will be able to think of.
 
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Smutley said:
Everyone keeps talking about "Well Chris could just stop paying cause his money is untouchable" or "why would creditors give this to a guy who they can't garnish" or "Chris should just strategically stop paying and he'd make out like a bandit" but there's one specific thing that is overlooked.

We, on this forum, are intellectual marvels compared to Chris. WE know they can't garnish his tugboat and it's incredibly likely that Chris and Barb don't know that. No one's going to tell them, no one's looking out for them, and realistically any card Barb's name isn't on is one she doesn't know or care about.

Chris will never not pay the minimum until there comes a time (after Barb's passing when he has rent and food to pay too) when he literally can't pay it. And when that time comes, no one's going to tell him he can just stop paying, he's going to do it because that's the only option his tiny little brain will be able to think of.
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I'm not saying I'm surprised he isn't doing it, I'm just saying I'm surprised that it works tat way. ^^
 
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Smutley said:
We, on this forum, are intellectual marvels compared to Chris. WE know they can't garnish his tugboat and it's incredibly likely that Chris and Barb don't know that. No one's going to tell them, no one's looking out for them, and realistically any card Barb's name isn't on is one she doesn't know or care about.
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Tautologically speaking, there's the right way, the wrong way, and the Chandler way. The Chandler way is the wrong way, only it involves a lot more 'tard rage.

With that said, I don't see bankruptcy as being consistent with Christian's modus operandi because it requires too many active steps. He'd have to retain an attorney (Hi Rob!), put together some financial information for the filing, and then appear at a hearing. Ignoring the larger question of whether bankruptcy would even be financially beneficial for Christian, bankruptcy is just too much effort for our little manchild.

On the other hand, strategic default could be right up Christian's alley because one could strategically default by literally shitting oneself and doing nothing. All Christian has to do is not continue to pay his credit cards, not get into conversations with debt collectors, and just spend the rest of the day wallowing in his own filth, eating q-sands, and playing with Legos. I see strategic default as sort of an inevitability for Christian. If his budget gets so squeezed that he eventually has to prioritize between food, Legos, and credit card payments, I think I know which one he'll eliminate from his budget.

In Christian's case though, "strategic default" would be kind of a misnomer because there'd be nothing strategic about it: he'd just blunder into it, and just by sheer chance, doing the completely retarded thing would be in his best interests for once. This would bring Christian's win-loss ratio to something like 1:100,000.
 
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related:
  1. Friendly Reminder: Chris is a 30 year old man selling his dead father's possessions and crayon drawings to pay for Legos. Stop getting angry at him.
I was never angry at Chris as he is just a moron.
However, I want to kill Adam Wan just because he is an unregistered sex offender.
 
deeman said:
Oh, i missed that, you see, i tend to believe anything about Chris nowadays. Nothing surprises me. sorry for derailing the thread, but we ARE on the issue here (it should be in the random question thread) but his tomgirlname was Kaka, right?
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Yeah, Kaka was part of it, anyway. Pretty sure that was a troll invention.
 
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4Macie said:
According to the ween insider I got info from, Chris believes that got removed from Ebay for having a "famous name" in the title. He truly thinks it got removed either A) because his name was associated or B) because it had Strad in the name; not even considering that there are hundreds of other sales with Strad, or the person's name, in the title or description. They were both removed because he had one that was illegal; it happens sometimes with ebay that if one listing is removed for having a negative attribute, all their listings are removed.
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My god, just think of all the problems in Chris's life that never had to exist if he would just take five minutes and pay attention to the rules. But he really believes that he shouldn't have to do so.
 
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Drakodan said:
Bloody hell, it's bad enough when someone with a modicum of financial stability gets into debt, but this?? Looks like we can look forward to the next epic saga of the CWC story: "Chris and the Debt Collectors"
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The jerkectors.
 
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Alec Benson Leary said:
My god, just think of all the problems in Chris's life that never had to exist if he would just take five minutes and pay attention to the rules. But he really believes that he shouldn't have to do so.
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My thoughts exactly. All of us see Chris's problems in life as individual factors, or that they have their own causes. But Chris? He sees every problem he has in life as troll based hate where he has done nothing wrong except be alive. It's never Chris's fault, and whenever he's actually owned up to anything, he's only take a fraction of the blame, the majority of the blame is to either trolls or another person. For example, the porn he made of megan wasn't his fault, he was only trying to be a good guy and not rape her; obviously it was her fault for not understanding that and the trolls fault for making him admit it was megan because they said it was Crystal his sister/daughter. Or Wallflower; it was her fault that she linked her own site to her Facebook; it wasn't Chris's fault for doxing her several times even after she told him to calm his tits on the whole "wallflower is my gf" thing. Oh, how about the house fire? No, that wasn't Chris's fault that he had a high voltage eating coffee maker plugged into two extension cords that went to the bathroom... the lowest voltage producer in the house. Oh no, it was a the fault of company that made the coffee maker and they should pay for his new house (and who knows, it was probably the trolls fault somehow too). Sometimes I just want to walk up to Chris and kick him in the balls while screaming at him that's he a royal twat. But then I'd have to touch him, and as we know from Kacey and Emily... that'll give you a rash or worse.
 
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Absinthe said:
I had no idea it was so straightforward to get third-party credit data in the US. Here in the UK it's a hassle to get hold of your own records.

Is there a good recent estimate for the size of the :tugboat:? The $809 figure is from 2010, surely it's risen a little since then to reflect inflation?

Are there any credit records for Barb? Given her apparent poor impulse control, low intelligence and disregard for future consequences, sizeable debts would be a reasonable prediction.
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Brother, having a credit card (particularly a rewards credit card) is pretty handy. What the Hulkster does is charge all purchases to that card, then pay it all off at the end of the month. The rewards (1-5% depending on the purchase) can be used to pay off the balance. That way, it makes managing ones finances easier and you get a 1-5% cash back on all purchases. It also builds credit in case one needs to take out a loan or ones wife screws them over with alimony, man.
 
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MrTroll said:
The sad thing is, taking on this kind of debt slavery is actually a rational course of action for a person who defines happiness as being able to spend thousands of dollars on garbage every month. The minimum monthly payments are a drop in the bucket compared to all the discretionary spending his credit enables. Personally I hope he racks up hundreds of thousands of dollars in debt over the course of his life and then dies broke and the predatory credit card companies don't see a cent of his "estate" because it's worth literally nothing.
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Not sure if the lot of 14BC has any value, where I live, bills must be paid on your estate first. I don't know about Virginia inheritance laws but unless Barb has a will of her own, her estate goes by default to Chris and Cole (half and half) Since Bob died, lack of a will would give half of what he had to Barb (for her and Chris) and the other half would be shared by David and Carol. As far as we know they have not come to claim it, nor does Cole give a rat's ass about the family.

The credit card companies could sue Chris for the lot of 14BC, since his disability money can't be garnished, it doesn't mean he is immune from being forced to pay up.
 
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