[Dec 15 2019] Foreclosure Saga - http://civilinquiry.jud.ct.gov/CaseDetail/PublicCaseDetail.aspx?DocketNo=FBTCV196091825S

[James Smith]

I don't think they can physically seize his condo unless a court allows them right?

I mean, yeah? Nobody can come take stuff from you without the government's authority unless it's theirs.

 

[Mr.PiggyOinkOinkOink]

Yeah, it's hard to believe this story. Usually guys, particularly if they're younger, will bring their girls to tournaments or the arcade or some shit with them. I was in the scene from like 2001-2009/10ish and never saw Phil with a girl or heard any mention of one until Panda entered the picture. I still hung out with some of the CT community heads because we were friends and did shit outside of playing games (except for Phil, he never fucking went anywhere with us or did anything). Phil basically disappeared once he was doing his YT shit, though.

To no ones surprise. Darks entire life pre YouTube sounds like a fabricated fantasy made up by a social loser.

 

[Kermit the Frog]

Phil wants his credit score intact, at least for the time being, so he can refinance the mortgage of the WA condo, the main reason being to lower his monthly payments. If his credit is destroyed thanks to the foreclosure, he can't do that. So on top of the WA mortgage that won't change, he'll have to find some way to pay off the difference between what he owes on the CT mortgage ($101k) and what it'll sell for. The other problem is that foreclosed properties almost always sell for less than if it was being sold under normal circumstances. Considering how much the CT condo has already declined in value over the years (from $130k when Phil bought it in 2009 to around $60k today), Phil could be looking at a situation where he's on the hook for $40k minimum and possibly even more. The bank isn't going to let that much slide. He should have dumped the fucking thing when he had the chance and taken the loss, but no he wanted top dollar for it like an idiot.
The smart thing for Phil to do is to move out of the WA condo, its value estimated at $400k, sell it, use it to pay off debts and get a small, affordable place. He won't be in a """gated""" community, but he won't have to worry about money.

 

[Royalty Free Fish Food]

Remember, I've been inside that place. Now Phil probably lost a lot of space because he can't clean up after himself

This question is off topic, disgusting and autistic as fuck but my curiosity refuses to let it go unasked. What does the Goutlord’s Manor smell like? Same for his parents’ house. I need to know the horrors of eau de gout.

 

[Slander Man]

Just a couple things after catching up with the thread. Phil has most definitely received a note in the mail to pick up a certified letter at the post office. If he continues to ignore it, they will move on without him.

His condo may be appraised at 60k but that doesnt mean that's how much the bank will get out of it. They will take the earliest, decent offer they get just to get rid of it. Then they will sue the roach for the rest and garnish his wages. EDIT: ninja'd by kermit gg

Somebody with some penne points should remind Phil that the post office has a letter waiting for him.

 

[BallBuster]

Yea the bank will see his 400k condo and 100k year income and go after him like wolves. I don't think they can physically seize his condo unless a court allows them right?

They can but it would be a lengthy process before it got to that point.

But as it stands right now, DSP is standing at the doorstep of an inevitable kick in the teeth, one that no paypig can help him with. Not even Jeff is going to puke up the kind of monetary help Phil needs this time.

 

[Synth]

This question is off topic, disgusting and autistic as fuck but my curiosity refuses to let it go unasked. What does the Goutlord’s Manor smell like? Same for his parents’ house. I need to know the horrors of eau de gout.

I don't remember, to be honest. Any time I was at the CT condo there was always a fuck ton of people and booze there, so that would likely mask most smells short of plumbing issues. His parents house, again, I'd only been in twice and it was just really quickly. Probably just smelled like a smoker's place, but it wasn't so pungent that it made a memory. Even as a smoker myself that shit bothers me, and I've been in some places where the smell of smoke was terrible.

 

[Kosher Dill]

Yea the bank will see his 400k condo and 100k year income and go after him like wolves. I don't think they can physically seize his condo unless a court allows them right?

As far as I'm concerned, it's all going to play out exactly like in old Depression-era cartoons.

And no one can convince me otherwise.
"I'm gonna sell your furniture!"

 

[Lunachu]

One might say that December is the foreclosure season. Harvest time for the money-lenders.

 

[the khat quaffer]

Someone asked Phil about his condo on yesterday's pre-stream and he gave a very antagonistic tight-lipped response.


Using PigPigGo, pulled a few recent mentions of the condo searching for the terms 'condo', 'mortgage', 'financing', 'short sell', 'Connecticut', etc.

• Oct 31st [1] [2]View attachment 1052661
• Oct 19th [1:37]
• Oct 6th
• Sept 5th [1:02]
• July 31st [1:24]
• May 22nd
• May 21st [3:45]
• April 4th [1:05]

Spoiler: Shenmue III Moderation (23 bans, 10 600s timeouts, 7 deleted messages)

## Moderators present ##​

thatanonymouse (4.5 hours)​

eternal_napalm (2 hours)​

madara_is_god_ (1 hour)​

[10:45:07] [Notification] forclosure_phil subscribed at Tier 1.
[10:45:52] BAN: forclosure_phil

[10:54:11] <v4sheltercat> why do u talk bad about wings of redemption
[10:54:23] BAN: v4sheltercat (600s)

[10:54:23] <homeless_gamer43> @thatanonymouse youre being an entitled goose
[10:54:31] BAN: homeless_gamer43 (600s)

[10:54:51] <FriendlyRaccoon> pay $101,769.44 LUL
[10:55:11] BAN: FriendlyRaccoon (600s)

[10:58:25] <Jayjamz92> im sorry you can't afford a haircut Phil, you must be really doing bad
[10:58:32] BAN: Jayjamz92 (600s)

[11:09:15] <kanashi_ultra> shout out soma julius cruz
[11:09:22] BAN: kanashi_ultra

[11:11:55] <v4sheltercat> if your actually wearing dsp merch your never getting laid ever
[11:12:07] BAN: v4sheltercat (600s)
[11:12:17] BAN: v4sheltercat (60s)

[11:12:24] DELETED: grungy1risen (facts @v4sheltercat)

[11:13:54] <v4sheltercat> phil I sent you 100 dollars and you still asked for more
[11:13:59] BAN: v4sheltercat

[11:15:52] <culturedwarrior> dspCheer100 Please don't insult me I'm new here. To me it sounds like a spending/earning ratio problem
[11:15:58] BAN: culturedwarrior

[11:16:01] <captain_baohzai> @darksydephil can you really blame people for being nosey when you tease us with vague terms?
[11:16:13] BAN: captain_baohzai

[11:16:02] <phils5dollafootlong> The man with common sense is over $100K in debt
[11:16:34] BAN: phils5dollafootlong

[11:16:39] <lomaxflax12> is he the only person still playing this game expecting tips?
[11:16:49] BAN: lomaxflax12 (600s)

[11:18:30] <%grungy1risen> how dare we ask what he wants money for
[11:18:47] BAN: grungy1risen

[11:18:52] <banquet_of_pepsi> I wonder when NoCouture is gonna save Phil from the tax monster like Emerald Seven last year and King tut before that
[11:19:03] BAN: banquet_of_pepsi

[11:19:31] <kingofthecondo> Why did you buy another condo even though you still had a £100,000 mortgage on your previous condo? @darksydephil
[11:19:38] BAN: kingofthecondo

[11:28:59] <Thorne420> stop blaming others and take some responsibility for yourself
[11:29:06] BAN: Thorne420

[11:29:35] <dankmanridescart> $101,679.44
[11:29:43] BAN: dankmanridescart

[11:30:22] <$mid_first_bank> Cheer100 Hey Phil, where is my $101,769.44 + Interest+Fees+Collection Costs? Just wondering the date is getting closer bro.
[11:30:32] BAN: mid_first_bank

[11:37:24] DELETED: propcgamer19 (thats soo gay)

[11:38:33] <$boomermangaming123abc> dspCheer100 dspCheer100 dspCheer100 dspCheer100 dspCheer100 So you are asking for my help to pay YOUR TAXES then you claim I am insulting you by asking a simple question about said taxes which you use as an excuse to insult my intelligence multiple time then tell me to "go fuck myself" then ban me after supporting you positively with 4 dollars worth of cheers my first two streams. If I were stupid I would help pay your taxes without question. The whole situation seems suspicious Phil.
[11:38:41] BAN: boomermangaming123abc

[11:41:24] <transparentgoatee> $101,679.44
[11:41:29] BAN: transparentgoatee

[11:47:03] <midfirstbankct> @darksydephil Hey Phil, how much will the Week Long Tips Goal be for the CT Condo Foreclosure (FBT-CV19-6091825-S)? Thanks in advance.
[11:47:29] BAN: midfirstbankct

[11:47:40] [Info] This room is now in 1 day followers-only mode.

[12:08:39] <OaksFinMojo> So @darksydephil will you be having a fundraiser for the 15k bill you're about to get from the CT condo foreclosure?
[12:08:49] BAN: OaksFinMojo

[13:24:40] <refurbished_babyman321> phil basically got a waterfall of mucus running from his nose into his throat dspPepe the only way he can deal with it is by making these disgusting sounds dspPepe
[13:24:52] BAN: refurbished_babyman321 (600s)

[13:26:17] <lmb0_0> His taxes say he has to pay with horrible sinuses for all eternity
[13:26:22] BAN: lmb0_0 (600s)

[13:30:50] <xQUANTUMxx> Dsp, saw the news about the condo. Maybe you shoulda paid the bills instead of buying COD this year
[13:31:12] BAN: xQUANTUMxx
[13:31:30] BAN: xQUANTUMxx (600s)

[13:38:17] <lmb0_0> I never said fuck
[13:38:28] <lmb0_0> Or shut up
[13:38:56] <lmb0_0> I’m just wondering what I did wrong not bitching
[13:39:13] <lmb0_0> Then explain it
[13:39:16] BAN: lmb0_0

[13:54:52] DELETED: bigbadbudddha (well thats good chat. he can afford to pay 128k to Midfirst Bnak + legal fees no worries)

[13:55:28] <tripartitealignment> so why does he always moan about how poor he is?
[13:55:36] BAN: tripartitealignment (600s)

[13:56:12] <+Traciewhitmore> Where Tev1n at?
[13:56:21] BAN: Traciewhitmore

[14:07:03] <bigbadbudddha> i cant stop laughing at these Fairfield/Bridgeport court documents. goddamn comedy gold
[14:07:12] BAN: bigbadbudddha

[14:07:31] DELETED: homeless_gamer43 (@bigbadbudddha cmonBruh)

[14:07:31] <refurbished_babyman321> I gotta check that shit out brb
[14:07:36] BAN: refurbished_babyman321

[14:07:54] [Info] This room is now in 1 week followers-only mode.

[14:09:33] DELETED: zerasleguy (Stoopid trolls with their fake dahcuments)

[14:12:07] DELETED: Legopig1976 (Phil, I do not know how to contact you, but someone just put a video (about 30 mins ago) up with screenshots concerning the courts and you.I have reported them for doxing you. But I thn, you have to contact youtube to try and get thej to take it down)

[14:14:20] <%$Legopig1976> look I was just tryibg to warn phil, but if the mods are happy with his court details being leaked, fuck him he deseres it
[14:14:42] BAN: Legopig1976

[14:38:07] DELETED: xblinktwicex (Wow, just heard the news about the condo)

[15:14:04] <Lordrevan1138> are you going to commit on the rumor of you getting sued
[15:14:14] BAN: Lordrevan1138

[15:39:23] <brandys_bee_hole> @darksydephil Any thoughts on Vote_Democrat not donating after people made fun of him
[15:39:49] BAN: brandys_bee_hole

Genuinely curious, is his face Photoshopped here? He looks more like a melted potato gerbil then ever

 

[WeeblesWobble]

The smart thing for Phil to do is to move out of the WA condo, its value estimated at $400k, sell it, use it to pay off debts and get a small, affordable place. He won't be in a """gated""" community, but he won't have to worry about money.

He actually hit the lottery with that WA Condo. It's worth a shit ton more than he paid for it but he has already expressed his refusal to get rid of it. It's all he has left and he is going to hold on to that thing until the value plummets. He could have legit cleared up pretty much all of his debt.

[14:12:07] DELETED: Legopig1976 (Phil, I do not know how to contact you, but someone just put a video (about 30 mins ago) up with screenshots concerning the courts and you.I have reported them for doxing you. But I thn, you have to contact youtube to try and get thej to take it down)

[14:14:20] <%$Legopig1976> look I was just tryibg to warn phil, but if the mods are happy with his court details being leaked, fuck him he deseres it
[14:14:42] BAN: Legopig1976

Seems his totally adult viewers completely understand how public court records work.

 

[Regulas]

In ancient times, desperate people used to sell themselves into servitude to pay off huge debts. Not much has changed really, most people are slaves to something, even today. If things really go south for DSP, I wonder who his new handler will be.

 

[Prince Lotor]

Question: Do Phil's financials become part of public court record during the discovery process of his CT condo being foreclosed and the ensuing lawsuit to compel him to pay the rest of the bank loan?

 

[tzgnilki]

I wonder if that emergency $1800 Phil wanted was an attempt to pay enough on the CT mortgage to stop this from happening...

considering his average payment comes to $280 per month on the cahndo, the $1800 was probably used to catch up on 6 months of no payments

I fucking hope he isn't paying his housing association fees either, another thorn in his ass

Phil wants his credit score intact, at least for the time being, so he can refinance the mortgage of the WA condo, the main reason being to lower his monthly payments. If his credit is destroyed thanks to the foreclosure, he can't do that. So on top of the WA mortgage that won't change, he'll have to find some way to pay off the difference between what he owes on the CT mortgage ($101k) and what it'll sell for. The other problem is that foreclosed properties almost always sell for less than if it was being sold under normal circumstances. Considering how much the CT condo has already declined in value over the years (from $130k when Phil bought it in 2009 to around $60k today), Phil could be looking at a situation where he's on the hook for $40k minimum and possibly even more. The bank isn't going to let that much slide. He should have dumped the fucking thing when he had the chance and taken the loss, but no he wanted top dollar for it like an idiot.
The smart thing for Phil to do is to move out of the WA condo, its value estimated at $400k, sell it, use it to pay off debts and get a small, affordable place. He won't be in a """gated""" community, but he won't have to worry about money.

unless dave sells his WAkahndo for a lot less than market value, for a quick sale, it's going to take a while to sell it, plus realtor fees

I just hope the debtors take it, auction it off and use most of it to pay debt, dave possibly moving back home to live with mum and dad lol

 

[drgnkiller]

A little slip of the tongue tonight.

 

[Martys_not_smarty]

He actually hit the lottery with that WA Condo. It's worth a shit ton more than he paid for it but he has already expressed his refusal to get rid of it. It's all he has left and he is going to hold on to that thing until the value plummets. He could have legit cleared up pretty much all of his debt.





Seems his totally adult viewers completely understand how public court records work.

It's those federal detractors dood with their bugged FOIA mechanics they're all in on it they don't want me to get that money they really don't.

 

[James Smith]

Question: Do Phil's financials become part of public court record during the discovery process of his CT condo being foreclosed and the ensuing lawsuit to compel him to pay the rest of the bank loan?

They do if he declares bankruptcy, which is the only way he's getting out of this. They don't automatically become public record as part of discovery. They'll only become part of the foreclosure court records if they're actually submitted to the court for something.

 

[BallBuster]

He actually hit the lottery with that WA Condo. It's worth a shit ton more than he paid for it but he has already expressed his refusal to get rid of it.

People continue to take an assumed value as gospel, when compared to an actual house inspection and appraisal.

Condition, upgrades, repairs, and modern amenities go a long way into determining the true value of a home.

He paid $265K. Right now the homes in that area are going for around $400k. That's a huge surge in the marketplace in just 5 years. But let us take a few things into consideration:

Location: It is a garbage area, not to mention it is a middle unit which drops the value. There is no arguing this. Remember people, location location location!

Repairs: I can't tell you how many times I have brought this up but numbnuts Phil admitted to having a leak in his closet in his bedroom, and said he didn't have to open the wall to check for internal damage or mold. He has no idea how long that leak was going on for but sure just don't check. Fact is: The boy has mold, black mold at that in the closet of the master bedroom which could also include rotting wood.

Upgrades: Tubby couldn't even hang some blinds and curtains himself, you think he is upgrading, updating, and painting anything? This is new construction, 1999, but we are talking 20 years. Guess what starts to go after 20 years? Roofs typically last 20 years before they start to deteriorate and require replacing. I'll assume the water heater was replaced once, but it is about that time to do it again. The boiler is probably okay but a few more years and that will be end of life as well.

The floors at this point will need to be resurfaced and thoroughly cleaned, the kitchen and bathrooms will all be how they were from 1999, so horribly outdated. Appliances will be older as well.

So that $400,000 estimated value drops tremendously when you add all this crap up. Sorry but I don't see his unit getting over $300,00 with how I am picturing it right now.

 

[MightyBob69]

Haven't seen anyone talk about this: operating under the very likely to be true assumption that Phil and Khet don't have any kind of prenup, what's the soulmaid's liability in all of this? Does property automatically become a shared asset/liability upon exchanging vows or would she need to be explicitly added as an owner?

 

[BallBuster]

Haven't seen anyone talk about this: operating under the very likely to be true assumption that Phil and Khet don't have any kind of prenup, what's the soulmaid's liability in all of this? Does property automatically become a shared asset/liability upon exchanging vows or would she need to be explicitly added as an owner?

Her name is on nothing so I would assume she could take the Cat and split with no ramifications.