[16-Jan-2020] DarksydePhil is filing for bankruptcy (general thread) - and has officially done so on January 31 2020, meaning a lot of his finances have become public

What will happen with his case following the 341 meeting?

  • Still gets Chapter 7

    Votes: 126 18.1%
  • Changed to Chapter 13 and ultimately fails to make his required payments

    Votes: 218 31.3%
  • Chapter 13 and successfully completed all payments

    Votes: 19 2.7%
  • Complete dismissal of the bankruptcy

    Votes: 334 47.9%

  • Total voters
    697
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They have to tell you to stop spending credit just because you can.

They don't care if you listen, but this prevents you from turning around later going 'woooooow they didnt try to help me they just fucked me'
Not sure that would matter. If they weren't closed already, they surely are now once they got wind of his master plan.
 
i want to know more



Cliffs: Some random racer passed Ragen and eventually noticed that Ragen had gotten ahead of her.

There is video showing Ragen literally finishing the race coming from the wrong direction.

This is because with less than a kilometer to go, she cut the last loop since she was so tired.

See the map. Instead of taking the red path for the final bit of the race (starting at the top left corner), she just went straight to the finish.

She also mentioned a couple times how she didn't want this 5K walk to ruin her training. For a full Ironman race. That is a 3.8 mile swim, 112 mile bike, and 26.2 mile walk/run. But a 5K walk was going to throw off her whole training.

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As much as I'm prepared today will meet every definition of a nothing burger, God would I love if the audio of the hearing includes the trustee stating, "Well Mr. Burnell, I noticed several glaring inconsistencies and falsehoods which I suspect were intentional. This is not my first rodeo, sir. People try to qualify for Chapter 7 all the time using these methods. Therefore, I am recommending dismissal of your Chapter 7 petition and you have yourself a lovely day."
Then just knowing at that moment, Phil's black heart sinks as he realizes not only is he insurmountably fucked, all of us will hear all of that in its entirety.
 
It wasn’t a no-show as the stand-in for his lawyer specifically asked for the date to be pushed back.

This was planned and prepare to see DSP call everyone morons and idiots because we were wrong about this date.

Yep, he sure showed us up by wasting the court's time and ensuring that the trustees are going to be even more hungry for blood.
 
It wasn’t a no-show as the stand-in for his lawyer specifically asked for the date to be pushed back.

This was planned and prepare to see DSP call everyone morons and idiots because we were wrong about this date.
But if it were pre-planned, the court would have known about it and not called his name. I think the stand-in lawyer was just covering for him on the fly. This was a plain old NEETIRL fuckup.
 
So let me get this straight right, usually when someone is a cunt and just doesn't show up they will tell them to get fucked and they have to start the whole process again but Phil being a lucky pigroach just gets to have an extension? And probably just keep getting them? And then the courthouse will shutdown because someone there will get the corona virus. It just keeps happening. He must be some kind of demi god of greed.
 
Just thinking out loud here, especially with the possibility of him being put in Chapter 7 where all his finances are strictly controlled. This is a hypothetical/theoretical question, but with Phil being the conniver he is; let's just say he stopped being lazy, and tried to work under the table to try and syphon some money his way that wasn't under the watchful eye of the courts. Giving violin lessons, ghost writing college papers for business majors lazier than him, whatever, it's hypothetical, and he wouldn't have time to do it dude. How watchful are the courts to make sure you're not trying to pull a fast one like that, and if you get caught do they just take what you've earned, or do you risk having them tear up the agreement and tell you you're on your own.
 
Just thinking out loud here, especially with the possibility of him being put in Chapter 7 where all his finances are strictly controlled. This is a hypothetical/theoretical question, but with Phil being the conniver he is; let's just say he stopped being lazy, and tried to work under the table to try and syphon some money his way that wasn't under the watchful eye of the courts. Giving violin lessons, ghost writing college papers for business majors lazier than him, whatever, it's hypothetical, and he wouldn't have time to do it dude. How watchful are the courts to make sure you're not trying to pull a fast one like that, and if you get caught do they just take what you've earned, or do you risk having them tear up the agreement and tell you you're on your own.

1) I would imagine they would be just as watchful as the IRS. But if there's no paper trail and no record of any services exchanging hands, it would be hard for them to prove and probably not worth their time from a cost-to-benefit ratio perspective.

2) If DSP was capable of working hard, he wouldn't be going bankrupt in the first place. Then again, maybe he would because his issue isn't income, it's not even spending, it's paying interest due to his unwillingness to pay anyone back. The reason DSP is going bankrupt is due to interest payments: he's paying $2500-$3000 per month in interest JUST on credit cards, which is why his minimum payments have become so high (minimum payments need to cover the interest or else the principle of the loan will never go down). If he wasn't paying so much interest, he wouldn't have so much debt. But he thought he would get away with paying the minimums for the rest of his life.
 
I'd avoid rescheduling, but I kind of doubt the trustee is all that miffed about it.

"I'm supposed to get through seven of these today. Oh, six then? Fine."
They -have- to work down the case load. Unplanned delays do annoy the court. That said, I do agree that the trustee would be no stranger to irresponsible debtors.
 
So let me get this straight right, usually when someone is a cunt and just doesn't show up they will tell them to get fucked and they have to start the whole process again but Phil being a lucky pigroach just gets to have an extension? And probably just keep getting them? And then the courthouse will shutdown because someone there will get the corona virus. It just keeps happening. He must be some kind of demi god of greed.
Or his court lady just had to cancel last minute/hours and gave Phil and the court a call. But the court wasn't fast enough or cared too little to put him from the list. But it could explain why he just got a reschedule. Therefore maybe nothing happens to him.

Most boring but most mature possibility.
His court lady did nothing wrong and everything correct.
 
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