In that respect he has nobody to blame but himself.
He was repeatedly told about this by even his own paypigs and he responded with abuse and bans while ignoring it like a pigroach, shitting himself and doing nothing until it was completely unavoidable that he had to respond in some way.
I'm still weirded out by them not moving forward on that. Had to have been some kind of calculated effort.
It's not instant. They may have just not had time. Also, while all legal proceedings against him are now subject to the automatic bankruptcy stay, the mortgage holder has a secured interest. They can probably move (in the federal bankruptcy case) to lift the automatic stay and proceed in the state case and foreclose on the property. I'm not sure if this would apply just to the foreclosure or if they could then go forward with the deficiency judgment.
If that's unsecured, though, it could end up eliminated in the bankruptcy, which is why they might want to try to convert it into a secured interest with a lien if DSP gets thrown out of bankruptcy. I'd imagine if they're aggressive, the mortgage company will actively try to get him disqualified for fraud, to get in the deficiency judgment and get a lien while he's not in bankruptcy.
The timing is really critical though and DSP hired someone who does not give a flying fuck about him for $1,200 flat fee.
So DSP has someone who won't lift a finger to help him while the adverse party (the mortgage company) may have enough money on the line to feel it's worth it to engage in some clever interstate motion practice to nail him hard.
Another thing we won't know unless it happens is whether the mortgage agreement on the WAkondo has what's called an acceleration clause. These trigger on a number of events, and in many cases, a bankruptcy is such an event. That essentially cancels the payment plan on the mortgage and makes the entire balance immediately due, allowing immediately going forward with foreclosure. If this happens we'll know nearly immediately because they'll file.
These aren't always enforceable, especially if they're overreaching, and a bankruptcy court has some discretion to modify them or set them aside, but the kind of scumbag company that would refinance an idiot like DSP is likely to have put something like that in there because they're dealing with a high risk buffoon and a good chunk of their profits is cashing in on fuckups like him.
I'd also virtually guarantee if they do something sleazy like that, it will be the first the pigroach even heard of such a thing because he didn't read the agreement.
www.courtlistener.com
