So it seems like the crisis is averted for now, since Phil refuses to tell people what's the real matter. My theory that it's the HOA is still holding up if you cancel out all other possiblilities and the fact that Phil is a pathological liar. In my opinion the notice he got last week was about the HOA worrying about the house's condition and that he has to come up with an explanation why the hous is in its current state. He may have worried that he had to open up his wallet to pay for repairing the house. The only thing I could imagine him losing the house due to the HOA is the house having mold beyond easy repair. A house full of mold cannot be sold and you cannot live in one unless you want to get serious health problems. Other reasons might include cracks in the ceiling or the roof being in bad condition.
The HOA might have collected some information about Phil, that he is running a business from his house, that he doesn't do gardening or cleaning the house properly, that there haven't been many repairmen at his house since he moved in. And Phil saw his lazy lifestyle in danger, because not only would he lose money, he would also lose time to lay around doing nothing because he has to organize and monitor the repairing of his house. Maybe the HOA has given him some more time to fix this. And as we see, a good start for Phil means he gets PS Vue.
