[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

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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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According to this website,
"...you’ll be asked to provide the “current value” of your home on the date that you file for bankruptcy."
"...your valuation isn’t the deciding factor. The bankruptcy trustee appointed to oversee your case will also be determining the value of your home, as well. If there’s a disagreement, a bankruptcy judge will review the basis for both valuations and make a final decision."

Edit (Addition): To me this implies that there might be some room for argument here if there are any substantial changes in the value of the home.

Is that why he used the Zillow Price from 3 years ago on his filing?
 
Do you think Kat got upset because he went to a female lawyer?

Lol oh god the image of him sitting down for the consultation & cradling his fat face with muffled spurts of "owwwmaigahd ... what even IS THIS... R u srs rn... I'm MARE-EED.." has me in minor stitches right now.

This new thing he's doing now with these sweeping, Shakespearean theatrics to convey a violent allergy to pixelated women lately is just.. even by his standards it's some fucking next-level rètard shit.

I'm pretty excited to see what "fully unraveled" is going to constitute for him. Because I count this & all those Beast Mode autism rules he has surrounding the kittycat (lock him up for entire day bc a 3 minute delivery is impending.. has to be trapped in their bedroom w them at night bc omfg.. claims they keep a LITTERBOX. In their BEDROOM.(?).. when he's not living in a 450sqf efficiency apartment.. cat has zero free reign of the house when his wife is home because reasons?) as among the beginning of the actual mental decline. Whether he's lying or telling the truth about all that cat dictatorship shit.

He's such a mongoloid in general that I'm sure I haven't even noticed a smattering of additional indicators, but these two things are just like holy fuck amounts of extra autism from him, to me.
 
quick run down?
Lately anytime Phil sees a female character in a game wearing anything other than full Muslim garb, or if he has to interact with a woman in a game, he repeatedly tells his chat that he's married. The other day some female character was dancing on screen (in Donkey Kong I think) and he covered his eyes. Biblical scholars have interpreted this as Phil being so happily married to his invisible wife (hand gesture towards wall) that interacting with or even glimpsing an animated woman is immoral under Pigroach Law.
 
Phil's next 341 meeting scheduled for 26 March at 10:30am.

Statement Adjourning 341(a) Meeting of Creditors. Section 341(a) Meeting Continued on 03/26/20 at 10:30 AM at US Courthouse, Room 4107 (341 Meetings). Debtor absent. (Text entry; no document attached.)

"debtor absent", this doesn't sound like his absence was official
 
Looking at other files, I think they put debtor absent for every continuation. I don't think it means anything.

I think his absence was intentionally mentioned and wasn't official, other it would be listed like this but idk, hope we get to find out

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Is that why he used the Zillow Price from 3 years ago on his filing?
Well this is only a part of what makes his filing so suspect. He clearly doesn't pay any regard to the process and seeing as he filed this through a bankruptcy mill, neither does his lahyer. The trustee will have the most accurate and current numbers. If he was smart he would've hired an actual certified appraiser. That would provide more grounds for argument against whatever the trustee could spit out. He can't game this. My buddy kept his house because he practiced due diligence via an appraisal. The trustee is not his friend and one needs to prepare arguments to defend what is filled out in the form. Problem is, DSP's filing is like 3% accurate.
 
I suspect the answer is no, but would there be any audio of the trustee calling people?
 
Well this is only a part of what makes his filing so suspect. He clearly doesn't pay any regard to the process and seeing as he filed this through a bankruptcy mill, neither does his lahyer. The trustee will have the most accurate and current numbers. If he was smart he would've hired an actual certified appraiser. That would provide more grounds for argument against whatever the trustee could spit out. He can't game this. My buddy kept his house because he practiced due diligence via an appraisal. The trustee is not his friend and one needs to prepare arguments to defend what is filled out in the form. Problem is, DSP's filing is like 3% accurate.

Bankruptcy trustees are known for challenging bogus claims of value and are usually known to retain people whose figures come in on the high side. People complain about it, whether because they're liars who got caught or because trustees actually are unfair (I have no personal opinion on the issue).
 
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