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

[Adamska]

I could put in an offer, cover half the value as a down payment, and rent the bitch out and make it all back pretty quick. But it IS in the dogshit ghetto of Connecticut. I wouldn't want my tenant's blood on my hands if they happen to wind up in the middle of a gang war. I hear those Mercedes vs Bimmer fights are brutal.

This is the only time I'll back up Pig on leaving his town: Pig's Fucktard Flat is in Bridgeport, which is New England's answer to Detroit and an utter shithole.

Still, you'd be dead right that you can easily recoup or nullify the money loss that piece of shit property could've had by just leasing it.

 

[James Smith]

Unless I get a job at WWE (and I have looked), I'm not planning to move to Connecticut (or the East Coast) anytime in the future.

Uhm no!

You can hire a property management company to rent it out for you! Keep in mind they'll call you instead of emailing which is, I know, fucking stupid.

 

[BrokeACKMountain]

This is the only time I'll back up Pig on leaving his town: Pig's Fucktard Flat is in Bridgeport, which is New England's answer to Detroit and an utter shithole.

Still, you'd be dead right that you can easily recoup or nullify the money loss that piece of shit property could've had by just leasing it.

I wonder if he decided to move because he couldn't stand the thought of living in the butt of a Family Guy joke. Put a goatee on that last guy and you essentially have a healthier looking version of DSP.

 

[Mask_de_SMITH]

It's just like Chris-chan, who could be easily be raking in thousands a month if he put a modicum of effort into things like streaming or more real life shit instead of wobbling around and making tard gurgles while playing with cards that literally nobody asked for. Both of these cows refuse to improve in very simple ways and as such, they are their own worst enemy.

One thing we all know about Phil is that he's like water; he'll take the path of least resistance. Phil could change the way he streams, or do something super special and out-of-the-ordinary, but he won't. In his tiny mind, it's too much effort to change what he does to make money. He wants to most amount of money for what he does while making the least amount of effort.

He's also a blatant coward who's simply too afraid to escape routine in any way shape or form. It's why he's played Minecraft at nauseum and plays Street Fighter Super Turbo as his only fighting game; he's just too cowardly to try something new. And much like a amateur swimmer who will dip is toe into the water and retract it at the slightest bit of cold, Phil will stop streaming games if they don't make the money he wants. He won't try it for another day and put it in the back burner. He'll just abandon it entirely.

Phil has all he needs to change his game up any time: a geen screen, a capture card, a Khet, a cat, and a big fucking house, but he's not going to do it. Phil was to want to change his strategies before ever implementing him, and we know he never will.

 

[Comma]

 

[L.I.M.B. Commander]

Just watched this thought I drop it off...

DSP Tries It $300 Christmas Tree And Defaulting On Court Case With Wings Commentary

Hey! Happy New Year! Bonus DSP Video to end 2019! Youtube Now Monetizes My Channel But Please If You Like, Support Me Through Patreon, Streamlabs, or Buying ...

youtu.be

 

[UncleTusky]

IANAL, but I've been doing some research on Google about this to see what the next step might be and I keep seeing that Connecticut is a "non recourse" state, meaning that if they short sell DSP's condo the bank has to take that and can't come after him for any difference in the loan and the sell amount. If DSP has only done cursory Google searches too, he likely believes this to be fact, and that's why he's not worried. He thought the same thing with income taxes when moving to Washington and never sought to educate himself to be correct.

Following up on this, Phil cannot just play dumb forever. Section 52-87 of Connecticut's civil litigation law allows the bank to file for default judgment after 3 months provided the process server swears in good faith that s/he attempted to deliver the letter. There's a limited right of appeal after the 3 month period expires and the burden of proof would be on Phil to show he deserves another extension.

Spoiler: Full text

Sec. 52-87. Continuance on account of absent or nonresident defendant. Exceptions. (a) Every civil action in which the defendant is an inhabitant of this state but is absent from the state at the commencement of the action and continues to be absent until after the return day, without having entered any appearance therein, shall be continued or postponed for thirty days by order of the court. If the defendant does not then appear and no special reason is shown for further delay, judgment by default may be rendered against him.


(b) If the defendant is not an inhabitant or a resident of this state at the commencement of the action and does not appear therein, the court shall continue or postpone it for three months and may, if it deems further notice advisable, direct such further notice of the pendency of the action to be given to the defendant by publication in some newspaper, or otherwise, as it deems expedient, or may authorize any person empowered to serve process by the laws of the foreign jurisdiction in which the defendant resides to serve upon the defendant a copy of the summons and complaint and of the order of notice. Any such person serving process in a foreign jurisdiction shall make affidavit of his actions concerning the process on the original order of notice. If, upon the expiration of such three months, the defendant does not then appear and no special reason is shown for further delay, judgment may be rendered against the defendant by default. Upon the expiration of the three-month continuance, it shall be presumed prima facie that no special reason for further delay exists. In actions of foreclosure, including prayers for relief incident thereto and part thereof, judgment may then be rendered upon the plaintiff's motion for judgment of foreclosure.


(c) The provisions of this section shall not apply in the case of any civil action brought under and pursuant to section 47-33 or 52-69, and no continuance or postponement of any such action or additional notice of the pendency thereof may be required unless the court so orders.


(d) A continuance or postponement under this section shall not be granted or, if granted, shall terminate if actual notice is shown in accordance with section 52-88.


(e) The provisions of this section shall not apply in the case of any civil action in which service of process is made pursuant to subsection (c) of section 52-59b with respect to a nonresident individual or foreign partnership over whom the court may exercise personal jurisdiction as provided in subdivision (4) of subsection (a) of section 52-59b.

Assuming the clock started when the summons was issued, this means no updates until late February of next year this year. It'll be hard to distinguish the foreclosure begathon from the regular tax one!

 

[Nixxit]

Was watching some Fortnite TIHYDP, and Phil said that between checking his mailbox every 3 days and people subscribing him to loads of free stuff, it was always full and 99% junk. What are the odds he discarded the summon as some ad/scam trying to imitate a legal letter ?

 

[actually]

Was watching some Fortnite TIHYDP, and Phil said that between checking his mailbox every 3 days and people subscribing him to loads of free stuff, it was always full and 99% junk. What are the odds he discarded the summon as some ad/scam trying to imitate a legal letter ?

He would have gotten a notice from the post office saying they had it for him due to the fact it was certified mail. They wouldn't just drop it off--they'd collect a signature to show it was delivered.

 

[Kheapathic]

Was watching some Fortnite TIHYDP, and Phil said that between checking his mailbox every 3 days and people subscribing him to loads of free stuff, it was always full and 99% junk. What are the odds he discarded the summon as some ad/scam trying to imitate a legal letter ?

Process serving varies jurisdiction to jurisdiction, but to my knowledge; any sort of court summons that has you as a named party (not shit like jury duty) comes in some sort of registered letter with return receipt requested. This is used to determine ignorance of the summons and what-not. If it came like that, it wouldn't be a summons, it'd be a green card (or whatever color his post office uses) saying he has something he has to sign for. You go to the post office, they ask for your ID and have you sign for it. If he doesn't sign for it, he can claim ignorance as "he never signed for anything." However, if he did sign for it, read it, then threw it away in a huff (which happens plenty of times), the court knows he knew of it and can make judgements in absentia. I can be wrong, but companies with plenty of money and lawyers to throw around will get their day in court, and Phil sticking his head in the sand isn't going to make the court more lenient on him.

 

[AnOminous]

Process serving varies jurisdiction to jurisdiction, but to my knowledge; any sort of court summons that has you as a named party (not shit like jury duty) comes in some sort of registered letter with return receipt requested. This is used to determine ignorance of the summons and what-not. If it came like that, it wouldn't be a summons, it'd be a green card (or whatever color his post office uses) saying he has something he has to sign for. You go to the post office, they ask for your ID and have you sign for it.

Or alternately you ignore it and don't go get it.

 

[James Smith]

Or alternately you ignore it and don't go get it.

Man I hope he doesn't actually find out until they start attaching to his shit, but I really do think eventually they'll just nail it to his door.

 

[tzgnilki]

Man I hope he doesn't actually find out until they start attaching to his shit, but I really do think eventually they'll just nail it to his door.

I can only imagine the cluster fuck when they turn up with bayliffs

 

[The Penultimate Warrior]

I can only imagine the cluster fuck when they turn up with bayliffs

Just imagine if that happened mid stream.

 

[Local Goth Cowgirl]

His refusal to participate also makes it effectively impossible for him to appeal.

 

[tzgnilki]

Just imagine if that happened mid stream.

hopefully when khet is "working" so they force their way in

 

[Kheapathic]

I can only imagine the cluster fuck when they turn up with bayliffs

Knowing Phil, he'd have Khet smuggle a cellphone in so he can stream; because he needs that money he really does, to pay his b... bail.

 

[JamFlowMan]

Doing some late night reading and have an admittingly ridiculous theory for why Phil seems so lax about this. In Washington state most foreclosures do not go through the court so the bank cannot get a deficiency judgement (garnishing wages etc). Now, let's say Phil actually has a tax guy, already who the hell knows, and Phil asked about the foreclosure process. The guy gives Phil the answer for Washington but all Phil hears is "they can't go after your money." Pretty much the tax problem only reverse the states.

Now, is this really what's going on? Hell no, but this guy flips out over financial issues equivalent to a hangnail. Now he is about to get a $40,000+ bill dropped on him and he no sells it? Just doesn't make any sense.

 

[tzgnilki]

Doing some late night reading and have an admittingly ridiculous theory for why Phil seems so lax about this. In Washington state most foreclosures do not go through the court so the bank cannot get a deficiency judgement (garnishing wages etc). Now, let's say Phil actually has a tax guy, already who the hell knows, and Phil asked about the foreclosure process. The guy gives Phil the answer for Washington but all Phil hears is "they can't go after your money." Pretty much the tax problem only reverse the states.

Now, is this really what's going on? Hell no, but this guy flips out over financial issues equivalent to a hangnail. Now he is about to get a $40,000+ bill dropped on him and he no sells it? Just doesn't make any sense.

I think he's trying to refinance the WAkando or consolidate his debt

but dave going to his tax guy for free advice then assuming it's right, is incredibly on brand

the tax guy fucked me over saga 2.0, but I don't think his ego could handle telling his audience he asked a tax attorney about foreclosure, it'll change to "my attorney"

 

[James Smith]

I think he's trying to refinance the WAkando or consolidate his debt

I actually don't think this. I went back and forth for a long time, but you have to keep in mind he now has a loan that is six months delinquent. He has trashed his credit score into oblivion already. In a simulation mine went from 787 to 677.

In addition if he's so tight that he's letting overdrafts happen he doesn't even have enough credit limit to pay credit cards with credit cards anymore. I'm talking he doesn't even have like $500 credit limit left. Increasing my credit utilization to 90% dropped me from 787 to 591.

It's neither linear nor universal but his credit score is probably in the low 500s. As in absolute garbage.

Finally the WA condo's value is likely inflated and subject to tank any moment without warning. That means more risk to the lender than usual, even if they don't extend more debt against it as collateral.

All of this works against him in a cash-out refinance or home equity loan.