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

[harbinger]

Phil, meanwhile, while not having a job, is making money, and willingly not making payments on his mortgage.

Just had to make a few grammatical errors that were bothering me.

Phil has not claimed to be paying the mortgage. In fact in April he said he was going to tell the bank to fuck off and he won't pay. Many of us thought he was bluffing.

The real brain teaser is the mortgage was somewhere between $1200 and $1500 a month. Let's say Phil had stopped paying after he got back from Connecticut like he said. That's about 8 missed payments. That's about $10,000 that Phil has saved by not paying. Yet he kept saying his bank account was overdrawn, he doesn't have $60 to buy a game, he wanted to keep DJRuno's Goose Game donation money and not play the game, he couldn't get Kat anything more than a hamburger for her birthday. Meanwhile he had an extra thousand dollars from not paying his mortgage.

The week before Halloween Phil came out begging for $1800 he was unable to say what it was for. Trust him, he needed it. If he didn't get the $1800 his credit would be ruined and everything he worked so hard for would be lost. His viewers came out and gave him the money. The whole time he was ignoring his mortgage, ruining his credit, and destroying his plans for the future all by himself behind the scenes.

Could Philip be using the condo money to try to pay down credit card debt?

Dunno, but I just checked and he was supposed to respond by December 10th and didn't. Not going to endear him to anyone involved. I would think he's hoping they either forgive the difference (FUCKING LOL) or do some kind of payment plan. Thing is, though, he's not going to be able to refinance his WAkhando, so he's still going to be struggling with his debt and will now have another payment he can't miss.

Any chance he succeeded in getting the WaCondo refinanced at the end of October or beginning of November, hence the $1800 Halloween goal?

Also, what’s the over/under that the government website the lawsuit was posted on is just a decades old cat fishing website that decided to sink its identity in order to troll Philip and us for a laugh?

 

[MeganDodgedABullet]

Summer story arc - Phillbert defaults on his payment deal with First Midland.....the grift goes on...

nothing he can do, he did nothing wrong...continue ad infinitum...

 

[Particle Bored]

I have returned from April 2020 with a clip from Phil's stream. Somehow a Mexican detractor weaseled his way on as well.

Unfortunately, the interdimensional time flux cut off the start of the clip, but this segment was preceded by Phil stating he'd "totally found a solution <snort> guys, one that will finally put an end to all the mortgage and IRS crap."

Spoiler

 

[Martys_not_smarty]

So how long before things actually start ramping up for Phil? Does it all depend on how fast the bank moves and/or the speed of the courts?

Don't entirely know, could be weeks or months and you can see that in the link provided on the first page to the Conn. court filing where it says upcoming actions there is nothing yet but when they do it'll show up there.

 

[King Daddy Telomerase]

I have a bad feeling Phil's parents already bailed him out and he's laughing at us making a big deal out of this. He's not begging more than normal, even less that what we'd expect this time of year. He doesn't seem bothered by this, in the past the anger would seep out and he'd be doing crazy rants about how he did nothing wrong and everyone is out to get him.

 

[Providence Backing_21]

Just had to make a few grammatical errors that were bothering me.

Could Philip be using the condo money to try to pay down credit card debt?

Any chance he succeeded in getting the WaCondo refinanced at the end of October or beginning of November, hence the $1800 Halloween goal?

I would guess he was paying the credit card down.
Back when E7 appeared he mentioned he use to have a lower interest rate it went up $1500 a month so he had less money now.

Would a refinance on Wacondo get flagged in someway if he was delinquent on his payments for so long.

 

[strandedcastaway]

No bank will settle when they see the person makes over 100k a year and owns a second home. They will come after him hard. As I said before banks are not in the business of losing money.

Every bit of logic says that the bank won't let someone in a household making well over $100,000 skate on a debt, but they don't call him the pigroach for nothing...he seems unconcerned like "this is all part of my plan". At the very least his credit is fucked though, which granted isn't an exciting, dramatic outcome, but sentences him to continue living a life of begging and poverty (unless he starts making $150K or $200K from the paypigs) until he finally keels over from gout and gin.

 

[Pargon]

I have a bad feeling Phil's parents already bailed him out and he's laughing at us making a big deal out of this. He's not begging more than normal, even less that what we'd expect this time of year. He doesn't seem bothered by this, in the past the anger would seep out and he'd be doing crazy rants about how he did nothing wrong and everyone is out to get him.

If his parents already bailed him out then we can all sleep soundly knowing the entire family is exceptional and we can safely expand our sperging to Ma and Pa.

 

[Providence Backing_21]

The super salty call of duty and flip off the camera streams happened during the those foreclosure meditations.

 

[Equinox_]

I have a bad feeling Phil's parents already bailed him out and he's laughing at us making a big deal out of this. He's not begging more than normal, even less that what we'd expect this time of year. He doesn't seem bothered by this, in the past the anger would seep out and he'd be doing crazy rants about how he did nothing wrong and everyone is out to get him.

Fuck retirement savings, our son is going to lose credit over losing his second home!

I don't think Phil can rely on his parents to bail him out on this like. Unless they've got a crap load in savings but I'd doubt it, I think he's on his own (with the help of paypiggies) on this one.

Congratulations Midfirst bank for being detractor of the year

 

[Adamska]

Holee fucking shit. Pig is ACTUALLY DOING SOMETHING INTERESTING AGAIN.

I'm honestly surprised he didn't have this shit happen earlier given he tried to do something like that a while back. Guess he can't kick this can down the road any longer.

I have a bad feeling Phil's parents already bailed him out and he's laughing at us making a big deal out of this. He's not begging more than normal, even less that what we'd expect this time of year. He doesn't seem bothered by this, in the past the anger would seep out and he'd be doing crazy rants about how he did nothing wrong and everyone is out to get him.

This sadly is what I expect happened or will happen.

Then Pig will whine when he gets nothing in inheritance since he fucking bled his parents dry.

 

[BallBuster]

I have a bad feeling Phil's parents already bailed him out and he's laughing at us making a big deal out of this. He's not begging more than normal, even less that what we'd expect this time of year. He doesn't seem bothered by this, in the past the anger would seep out and he'd be doing crazy rants about how he did nothing wrong and everyone is out to get him.

Nope. There would have at least been a mediator or retainer in Phil’s name at the court hearing. He had nothing as far as I could tell and that signifies bigger problems.

Plus asking parents who should be retired already ( his father isn’t) for 15-30k isn’t something they would hand over lightly. That ensures another year of work. How old is his father again)

 

[BabygotACKACKACK]

If he has to go to court do you think he’ll actually show up or just get “a guy he knows” to do it like his “tax guy”?

I’m surprised nobody mentioning how it would affect his streams he’d be begging extra. Hard while being the biggest piece of shit imaginable .

 

[tomstone]

$2000 is way less than I expected, though honestly I was sort of expecting him to do a longer time period. When you think about it, $2000 isn't that much more than his usual tips goal ($800 less than the $200/day he'd normally be doing for the 6 days of streaming). Guessing the psychological effect of it being a fundraiser, and the "festive spirit" might help tard cum the piggies. Wonder what he'll give back?

what he will give back? a juicy snort, a disgusting burp and a stinky fart right into the mic. his paypigs will love it.

 

[tzgnilki]

I hope phil thinks he's safe cause he didn't get anything in the mail about it

 

[Mr. Brown]

Maybe he really thinks he's being proactive about next years taxes

If he makes the $2k that money will be "gone, just gone" by new year.

 

[BabygotACKACKACK]

I know this is more for the tkoh forums thread but I got a good laugh

 

[DiabeticSP]

Phil saying it all goes to taxes makes sense bc Phil always worries about the short term problem and he DEFINITELY hasn't saved for taxes just like every year.

Which means he's starting from zero for the house payment.

If he's making 100k they aren't gonna payment plan him when he's already not making payments, they'll want the money in full.

I'm sure Phil thinks they'll settle or he doesn't care if his credit tanks bc he'll "owe less money". 30k<100k so he came out ahead, dood.

I believe Phil doesn't have the awareness to understand this is going to fuck him in the long term even if he plays the 30k out of his savings.

Its gonna fuck his refi, its gonna raise his credit rates he already has trouble balancing, it might cause the IRS to look back at whether they can trust him with a payment plan on his taxes, he's definitely not getting any more loans.

The problem is he thinks he can ride it out 7+ years and be fine, but there's no way he's gonna make that kinda money into his 50s.

 

[James Smith]

The only way I could see him getting out of this legitimately is just selling the WA place, moving back to CT, and living in the money pit until he either pays off or buys out his overpriced mortgage. I don't think "just sell the khando" was ever an option.

1. Contact the lender for your first home, tell them you'd like 90 days to sell your second home and pay off your mortgage to them in full 20 years early
2. Lease a storage unit and move everything but the necessities and stuff to make your second home look nice to buyers
3. List your second home for sale for the going rate of approximately $100-150K more than you owe on it
4. Sell your second home, use the proceeds to pay off both of your home loans
5. Use the remaining $50-100K as a down payment to buy a more modest home

DSP can still walk away from this without even having a foreclosure or a bankruptcy on his credit report.

He won't. But he can.

 

[JamFlowMan]

It's not the worst idea to stay silent during an ongoing lawsuit. Must preference this with the usual DO NOT DO THIS, but you know some of the detractors more impatient for his downfall are ready to clip and send anything and everything to the other parties involved in the lawsuit.

Honestly it's hard to read what Phil is thinking about this. Does he know he fucked up or does he really think he pulled a fast one on the bank? It's hard to believe he didn't know this was happening, especially since he laid out this exact scenario earlier this year. The filings started a few days before Thanksgiving making it prime pity bucks material and yet he hasn't said a word.