09/14 Court Date - Discussion and Speculation

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I don't think those debt collectors are ever going to get their money back.

The Chandlers are a veritable financial black hole.
 
Kartoffel said:
Even if the house is utterly fucked up with the horde wouldn't you think that someone would buy it for a low price like 1k at a forced sale? Or would the bank refrain from selling it as long as it doesn't get a halfway decent amount of money for it?
Even if a buyer would have to invest money again to demolish everything and buiild a waistheigh wall, so that Chris cannot come in anymore, I'd still think someone would buy that place.
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I know people like to think the house is utterly worthless because it's full of Barbage, but I can't imagine that Barb in her current state has been able to pack the house full of shit like before the fire. All the pre-fire stuff seemed to be boxed up too, in those photos of Chris' old room that he recently uploaded.

Even if it were full of crap, the fact is that the house still has a lot of real value, especially since it was recently gutted and remodeled (therefore it should be up to modern building codes and standards). Dog piss soaked carpet can be torn out and replaced easily. You rent a giant dumpster and toss out the junk (and beat away @garbageraider from it.) Some landscaping out front and you've got a decent home that many people would love to buy.

That said, searching "14 branchland court ruckersville" is going to show a lot of results that would probably scare away some buyers.
 
Kip Winger Super Saiyan 4 said:
This is one of the only examples where I'd feel sorry for the banks.
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Meh, I am not particularly anti-corporate, but that is the gamble they took. That's why interest rates are higher if you don't have good credit. They charge you more to pay them back, because there is a decent possibility you won't. No need to feel sorry for whoever loaned Barb and Chris money. Built into their business model, which generates a healthy profit, is the fact that they may well not pay them back in full. If they were certain they would get paid back, the market interest rate would be a lot lower.
 
timtommy said:
Meh, I am not particularly anti-corporate, but that is the gamble they took. That's why interest rates are higher if you don't have good credit. They charge you more to pay them back, because there is a decent possibility you won't. No need to feel sorry for whoever loaned Barb and Chris money. Built into their business model, which generates a healthy profit, is the fact that they may well not pay them back in full. If they were certain they would get paid back, the market interest rate would be a lot lower.
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Precisely. Going to court to secure liens is just part of the model. I don't think the banks care given how many minimum payments they have received.
 
Barb owes $15,906.99

screenshot-eapps.courts.state.va.us 2016-09-15 08-52-07.png
 
thismanlies said:
Do you think Barb will go after Chris's PS4?
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Is Chris's PS4 even worth much nowadays? The controllers will be encrusted with filth and the console is no doubt defaced with stickers and custom "art" like all the other shit he has owned, the intakes are no doubt filled with dust too.
 
The American Hedgehog said:
Barb owes $15,906.99
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There's something amusing about the debt ending in .99. What a bargain!

Realistically though, what does happen next? They come up with another payment plan and money gets like, 10% tighter for Charb? Is that enough to make them suddenly sell things?

Chris hasn't ebegged for a while now, so I am somewhat under the impression that he isn't seriously worried about this.
 
No surprise there. Most people don't show up because they think if they ignore it it'll go away. I feel partially sorry for Chris only because I'm sure Barb doesn't care. She's going to die soon(ish) and this won't be her burden anymore. But it's going to be Chris' if a lien is put against the house and I'm sure there are more. Both his parents did a pretty shitty job raising Chris, but at least Bob tried providing a life for him after he passes by having the house paid off and keeping Chris away from more credit cards. There was a point in time that Bob paid off Chris' credit cards(he made Chris fork over a portion of his tugboat monthly) and closed them. Chris even swore to me he would never get another credit card. But after Bob's death he was back at it. Barb just doesn't care and is completely lax about what's going to happen to her autistic son who has no structure in his life.

P.S. The Chandler's have 10 days from judgment to appeal. Chances of that happening...
 
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