Chris and his finances: An in-depth review of his debt

[Datiko]

I never knew Chris paid for Bell's representation. I just assumed it was a case to fill his pro bono requirement. Being angry at a lawyer for getting you off free? Dumb!

 

[Wakaranai]

And to those saying "Chris isn't able to work" that's not true. Chris could hold a manual labor job, the only thing preventing him from doing so is his poor attitude and laziness.

Chris could hold down just about any unskilled job, and he could easily be pulling more than double his tugboat from the job alone within a few months from today if he played his cards right. The mental capacity needed to count change, flip a burger, or load a box into the right truck isn't high. People with mental disabilities far more severe than Chris's autism do it.

The only holdup is just as you said. Chris butchers the words TRUE and HONEST to justify doing what he wants, when he wants, in the manner that he wants to do it at the moment as some kind of strength of character. This describes his approach to social interactions, as well, which is likely how he got fired from Wendy's. The first step to becoming employable is to admit that his so-called TRUTH and HONESTY in reality has very little to do with either concept and a lot more to do with being addicted to convenience, and is a huge shortcoming that needs to go. Also, he'd have to accept that stress is just an inescapable part of life, and that it's not a valid excuse to not work. The best you can do is pick and choose which stress-inducers will help you fulfill your goals the most. Lastly, he'd have to realize that if you haven't even worked 2 months out of your life and have been an unemployed adult for the past decade, you're not in a position to treat any job as being beneath you. You should take the first crappy job that you're offered and start building up a real set of basic work skills and a network of supporters.

I can't see any of these having a chance at happening until Snorlax is dead and he's trying to live on $800 per month, though. Even then, Chris very much so seems like the sort who might just lay there and be depressed at his lack of funds instead of knocking on every potential employer's door within a 20 mile radius so that he can fix that.

Also, even if he did get a job before immediate necessity starts kicking his ass, due to his horrible spending habits, he'd probably blow through his newfound funds so quickly and irresponsibly that he'd barely notice that they were there.

 

[Hyperion]

The sooner the collapse comes the sooner the recovery begins. I don't actually think there will be a recovery though.

A grown man put himself in this situation.

he's trying to live on $800 per month.

More feasible than you might think. He'll just need to learn to plan a bit.

Yeah, won't happen.

 

[Tragi-Chan]

The sooner the collapse comes the sooner the recovery begins. I don't actually think there will be a recovery though.

A grown man put himself in this situation.



More feasible than you might think. He'll just need to learn to plan a bit.

Yeah, won't happen.

It's possible to live on surprisingly little money if you're careful, but Chris doesn't get the difference between "wants" and "needs." Mostly, I think, that's because his actual "needs" have been dealt with for him, so he's never had to make the choice. I can see him in the future getting his electricity cut off because he puts off paying the bill, spends the money on some stupid bullshit and then finds himself unable to make payment when the final demand comes in.

 

[I AM THE CREASE DANGER]

Chris is beyond help or reformation, and he is most likely headed for a sad middle-aged early death.

I hope that he can perpetuate his comfortable, naive, tugboat-driven life of being a lego-playing manchild until then because that is the only thing that gives his life any shred of meaning. Chris will never be special because of gainful employment, intellect, Sonichu, service, or family obligations. He is special for being able to capture our attention, our hearts, and to be the center of our discourse.

 

[milkshark]

When I think of Chris' credit situation, I imagine a man in a sinking boat. There are a number of small holes in the bottom of it, and the man uses a hat in one hand and a tin cup in the other to bale the water out, all with a smug and self-satisfied look on his face. The water keeps filling up the boat, and it's barely floating, but as long as the man keeps pouring some of it out he gets to float just a little bit longer. Meanwhile a group of internet nerds stand on the dock and laugh.

 

[Smutley]

I never knew Chris paid for Bell's representation. I just assumed it was a case to fill his pro bono requirement. Being angry at a lawyer for getting you off free? Dumb!

IIRC, Chris and Barb didn't "get off free", they still had to pay legal and medical bills for Snyder, along with not being allowed near him. Plus they paid for Bells services.

The wuss (And Snyder saying he didn't want him there) did keep him out of jail though, which is unfortunate, but Chris never saw that - he's steamed he wasn't awarded the keys to the GamePlace, not that he was kept out of the clink for a pittance.

 

[Ian Brandon Something]

Chris didn't seem to understand that he was the defendant. He thought that the judge hears both sides and makes an impartial ruling that could go either way. I remember at the time he was talking about collecting evidence to indict Snyder or something. No wonder he tardraged in court about Snyder being paid compensation. Chris's hoped for outcome was that Snyder would end up paying HIM in red cents.

 

[FifthColumn]

Well, when will the credit card company come to collect on Mama and Chris?
I just think cutting Chris' credit would help shake him up.
I also think its immoral that Chris should l get handouts for doing nothing.

When will his credit card party be over?

 

[CWCissey]

Well, when will the credit card company come to collect on Mama and Chris?
I just think cutting Chris' credit would help shake him up.
I also think its immoral that Chris should l get handouts for doing nothing.

When will his credit card party be over?

Just before the Chan party ends.

 

[Pickle Inspector]

That's the main reason I don't want even weens to offer him piddly money for his drawings. I'm just anxious to get on with the show, giving him money will delay it for a bit.

I think that's a bit mean, he does only have himself to blame for his situation but having the initiative to create new Sonichu art and put it up for sale is a step in the right direction (It'd be even better if he had it at a realistic price), at least it isn't outright begging for money.

Chris could hold down just about any unskilled job, and he could easily be pulling more than double his tugboat from the job alone within a few months from today if he played his cards right. The mental capacity needed to count change, flip a burger, or load a box into the right truck isn't high. People with mental disabilities far more severe than Chris's autism do it.

The kind of work Ulillillia does Chris could probably handle:

 

[Marvin]

I think that's a bit mean, he does only have himself to blame for his situation but having the initiative to create new Sonichu art and put it up for sale is a step in the right direction (It'd be even better if he had it at a realistic price), at least it isn't outright begging for money.

Desperation.

 

[Gordon Gekko]

Chris is never going to pay off that debt. Never. Even if he was able to financially, his brain cannot work with the concept that he needs to part with $50 in his hand right now to pay for the God of War 1 game he bought on credit and forgot about 6 years ago.

He does however understand how to maintain the debt by paying minimum balances. The question is how long can he do that? From what people have posted here, it is something he has always done, so at least we know its something that he can recognize as a responsibility. This actually surprises me a little, as Chris works on a strict immediate reward system, and making a minimum payment on a maxed out credit card doesn't free up any real spending power on it.

 

[Optimus Prime]

The kind of work Ulillillia does Chris could probably handle:

But he'd complain the entire time about having to do all that hard work. You gotta remember, this is the guy who thought pulling a few weeds was the equivalent to backbreaking farm labor and couldn't even keep dancing for three straight minutes in the Pappa da Rappa entry when he was in much better shape compared to what he is now.

 

[stack]

Chris is never going to pay off that debt. Never. Even if he was able to financially, his brain cannot work with the concept that he needs to part with $50 in his hand right now to pay for the God of War 1 game he bought on credit and forgot about 6 years ago.

He does however understand how to maintain the debt by paying minimum balances. The question is how long can he do that? From what people have posted here, it is something he has always done, so at least we know its something that he can recognize as a responsibility. This actually surprises me a little, as Chris works on a strict immediate reward system, and making a minimum payment on a maxed out credit card doesn't free up any real spending power on it.

It is a little mystifying, which is why I suspect that his timely payment history is probably just the result of coercion from Borb. If I recall, he was caught a few years back using their cards or something without permission and just generally being the irresponsible jackass we all know. Their response was to intercept the tugboat and hold it hostage until certain payments were made to help rectify his financial calamity.

If I had to guess, I'd imagine a similar situation is still ongoing. It isn't that Chris is paying things on time, just his mom. She's likely been making those minimums with his government issued Lego bucks before he can get to them.

 

[Bridechu]

But he'd complain the entire time about having to do all that hard work. You gotta remember, this is the guy who thought pulling a few weeds was the equivalent to backbreaking farm labor and couldn't even keep dancing for three straight minutes in the Pappa da Rappa entry when he was in much better shape compared to what he is now.

This is the crux of it. Physically and mentally, Chris is capable of doing plenty of jobs. I know barely verbal autistics who work in supervised programs. But emotionally, Chris is a powder keg, albeit a really small and non-threatening one. Bosses won't put up with his bullshit.

 

[A-№1]

19-year-old who doesn't know shit about money here... what would it mean for Chris if he defaulted?

Not nearly as much as it would mean were it just about anyone other than Chris. He and Barb are almost judgement and collections proof; they don't own anything that anyone else wants or is worth taking from them. In Chris terms it would basically just mean he wouldn't be able to buy as much crap on credit, as he will be ineligible for most credit and what credit he could get will be very expensive. As far as what we will see, well if you thought Chris was begging hard for crap before, you ain't seen nothing yet.

So a credit default will cause little by way of actual suffering to Chris, though he won't see things that way. However, things will get very "interesting" when he and Barb are finally kicked out of their insurance funded rental house.

That's the main reason I don't want even weens to offer him piddly money for his drawings. I'm just anxious to get on with the show, giving him money will delay it for a bit.

Only if he uses that money to pay debts. What are the odds of that?

In all probability giving Chris money will just mean he has a few more expensive legos he doesn't need when it all comes crashing down on him, right on schedule.

 

[normankrasner]

when will bill collectors show up at the burned remains of 14BC?

 

[stack]

Does Barb own 14 BLC? Even as a burnt hulk, that property could keep them solvent for a while.

 

[BALLZ-BROKEN]

When I think of Chris' credit situation, I imagine a man in a sinking boat. There are a number of small holes in the bottom of it, and the man uses a hat in one hand and a tin cup in the other to bale the water out, all with a smug and self-satisfied look on his face. The water keeps filling up the boat, and it's barely floating, but as long as the man keeps pouring some of it out he gets to float just a little bit longer. Meanwhile a group of internet nerds stand on the dock and laugh.

But in reality, Chris would drill more holes in the bottom of the boat, to "let the water out".