Orbiter Matthew Vickers / @MWV / ViciousVickers / Poor Yorick - Ex-coin merchant, bloodline gunted by Ethan Ralph. Fat cuckold who lost everything by trying to launch warfare against Ethan Ralph. Alleged rapist, proven cuckold, got mental damage from his wife's mean words. Cog paypig.

[Paul Enwerdhoeven]

I didn’t even know these type of “loans” that aren’t loans existed. Selling future revenue stream? These companies get online access and passwords to all his bank accounts and financials? Holy shit. It’s like the mafia “going into business with you” once they give you some money,

I guess this the business version of the payday loan industry.

Merchant Cash Advance companies structure their loans as purchases of future revenue so they can get around legal restrictions on the maximum interest rate they're allowed to charge. Yellowstone Capital, a big Merchant Cash Advance company, just got sued for $1.4 billion because they made it too obvious they weren't really purchasing of future revenue. Yellowstone was doing stuff like giving multiple advances to same business so the merchant technically owed 200% of their daily revenue to the lender.

even Jews would be embarrassed to offer this.

"Yellowstone, founded in 2009 by Yitzhak Stern and David Glass, a former stock trader who pleaded guilty to insider trading charges"
"Another lender, Jonathan Braun, who was freed from prison by Donald Trump in the final days of his presidency"

 

[MirnaMinkoff]

I try to be a good person; but anyone buying into the Time Share scam deserves to lose everything. It's not your house, will never be your house, and you better hope your needs and wants of vacation never conflict with others.

Even better Vickers bragged about how great his timeshare investment actually was. I want to say he claimed the entire extended family had purchased the Disney one, so maybe he was getting free use of it thanks to belonging to another family member.

One gets the idea they went on Disney vacays they couldn’t actually afford because their timeshare slot came up.

Anybody see the timeshare as a creditor? If not I’m going to assume a meemaw pays for it and they just use it. I can’t believe he’s make an effort to pay for a timeshare but not his mortgage or Camaro. Timeshares are usually among the first payment people stop making.

 

[Balldo's Gate]

Anybody see the timeshare as a creditor? If not I’m going to assume a meemaw pays for it and they just use it. I can’t believe he’s make an effort to pay for a timeshare but not his mortgage or Camaro. Timeshares are usually among the first payment people stop making.

This is Matthew Vickers. Making understandable decisions are not his forte.

 

[AnOminous]

Even better Vickers bragged about how great his timeshare investment actually was.

I have never seen timeshares discussed by anyone who knew anything about money at all as anything other than an open and notorious scam reserved for the dumbest droolers alive.

Anybody see the timeshare as a creditor? If not I’m going to assume a meemaw pays for it and they just use it. I can’t believe he’s make an effort to pay for a timeshare but not his mortgage or Camaro. Timeshares are usually among the first payment people stop making.

Timeshares are known for adding random charges, not letting you back out of the agreement, and even somehow performing some Jew magic where your heirs can somehow end up owing debt on them.

 

[HackerX]

The business financing and mortgage are two separate things. But on the mortgage - Someone linked to the sale and that site showed an estimated market value ( ) of $391k, which would be $140k over what's been shared here as the mortgage amount of $250k. In a trustee's sale they generally start at mortgage balance + fees related to having to deal with the sale/default. Houses sold in foreclosure don't generally pull market value.

I'm assuming they took out a loan or something for the additions to the house, but I'm not sure which line item that'd fall under. Is that typically done through a refinance or what?

Anybody see the timeshare as a creditor? If not I’m going to assume a meemaw pays for it and they just use it. I can’t believe he’s make an effort to pay for a timeshare but not his mortgage or Camaro. Timeshares are usually among the first payment people stop making.

Yeah, there's something Disney related on there for a few grand.

 

[Drew Pickles 69]

God damn it's never felt so good to say that the gunt fucking won. Total Vickers death is imminent.

 

[The I Scream Man]

I have never seen timeshares discussed by anyone who knew anything about money at all as anything other than an open and notorious scam reserved for the dumbest droolers alive.

My absolute favorite parts of the whole timeshare system are not the timeshares themselves (which are universally scummy and awful) but the companies and individuals that purport to being able to get you out of your timeshare agreement, they are on the radio at odd hours screaming about how only they can do it and you'd better fuckin call them now you stupid asshole, every minute you keep your timeshare is another minute you are capital F fucked!!!!!

They sound like the tax lawyers that insist they're needed to renegotiate IRS debt except some of those tax lawyers are legitimate (ever)

 

[Boingboingboingboi]

They’re buddies, which is why anything Cog says is tantamount to an official statement from Vickers. Yet another reason not to lend credence to any information originating with Cog.

birds of a shit feather. i am not even a little surprised.

 

[Friend of Dorothy Parker]

I'm assuming they took out a loan or something for the additions to the house, but I'm not sure which line item that'd fall under. Is that typically done through a refinance or what?

Yeah, there's something Disney related on there for a few grand.

My first thought when someone said their principal of $250k was higher than in 2008 (~200k) was that maybe they took out an equity line/second to do a reno and then refi'ed to bundle it, but the sale notice /link someone posted showed it as a 2br - and while I know sites sometimes get stuck on old info or don't count groundlevel living space - and it made me think maybe they hadn't done anything.

But if you're saying they did make additions, it may be that my thought was right - second/heloc for renovations then refi'ed the full amount (smart if when rates were at the bottom a couple of years ago).

Whatever it was, it left them with obligations they couldn't meet, and if that's $1500-2000, that's rough for a family with children. Even if it ever was $9800/month or whatever coming in the door, that's just a nice solid income for that mortgage. But if you go around financing cars or your business or paying out of pocket for litigation and other garbage to the tune of high-5-figures, you're out of your depth.

 

[♦️ King of Diamonds ♦️]

Given that the house has been under the stewardship of Vickers and housed four young boys, I’d guess it’s not in very good shape. It looks like they tacked some questionable addition to the original house too. Might be a gamble to let go to auction given they aren’t going to be able to buy another home for seven years and I don’t see an auction covering what they owe.

Well they are based out of Brooklyn so you might very well have some embarrassed Jews, but could be Italians-Americans too.

I know I made a joke about the loan being mafia style but no joke, some mob guys did start opening “finances lending companies” basically using models similar to the old mafia business partner scheme in the aughts, only technically legal somehow. This very well could be one of those type of operations.

Aren't we all morons! We all thought Ralph was going to be the one to get in trouble with Organized Crime groups first!

 

[AnOminous]

My absolute favorite parts of the whole timeshare system are not the timeshares themselves (which are universally scummy and awful) but the companies and individuals that purport to being able to get you out of your timeshare agreement, they are on the radio at odd hours screaming about how only they can do it and you'd better fuckin call them now you stupid asshole, every minute you keep your timeshare is another minute you are capital F fucked!!!!!

I have heard those ads, in my weird listening to right wing talk radio, and I think it would be hilarious if somehow, those guys were even bigger scammers than the timeshare sellers themselves. I mean, they know they have a captive audience of suckers, because only suckers buy timeshares. So who would specifically advertise to people who are, by definition, suckers?

Whatever it was, it left them with obligations they couldn't meet, and if that's $1500-2000, that's rough for a family with children.

Well, duh, you just don't pay it.

 

[AltisticRight]

Here is the lien. It specifies what is being used as collateral:

If my understanding is correct (probably not), everything in that coin shop, down to the chair and that fancy looking cabinet desk in the back belongs to Thor Capital.
He better wire the funds.

View attachment 5806633

If COG is parroting the "paper divorce" statement, then I'll retract my speculation above.
Apparently, there's also counselling. Is that needed for a fake divorce? No?

 

[Climaxing Sunset]

Seeing COG seethe and rage over the Vickers fiasco is hilarious.

But truly this is a Ralphamale W. Vickers was warned that Ralph would drag him down a path of hell and so he did. Vickers is broke, impoverished, bankrupt, lost his home. It’s all over for the wild coin fraudster.

 

[John Andrews Stan]

My absolute favorite parts of the whole timeshare system are not the timeshares themselves (which are universally scummy and awful) but the companies and individuals that purport to being able to get you out of your timeshare agreement, they are on the radio at odd hours screaming about how only they can do it and you'd better fuckin call them now you stupid asshole, every minute you keep your timeshare is another minute you are capital F fucked!!!!!

Lol that’s a pretty good reproduction of the ads.

Spoiler: Timeshare note

FWIW a family member made money hand over fist on three apartments he bought in Cabo to rent out as timeshares. Ridiculously easy money if you can fund the initial investment. Until COVID demolished travel he was seeing a 10x ROI with minimal admin related to managing the properties.

They sound like the tax lawyers that insist they're needed to renegotiate IRS debt except some of those tax lawyers are legitimate (ever)

Yeah that’s why Wiztax does such brisk business: There’s a standard formula the IRS uses to calculate what you owe in back taxes and there’s no “negotiation.” Wiztax saves you dealing directly with the IRS and has a much better user experience to put it mildly.

Of course self-declared geniuses like Vickers and Ralph never take sound advice from informed, experienced professionals because they think they’re smarter than everyone else. And look at how THAT’s working out for them.

 

[MySonDavid]

View attachment 5806633

So Vickers is filing for divorce and bankruptcy and people online are speculating that this is all some part of some ill-conceived, and probably highly illegal, master plan, and cog is in discord basically telling everyone that he has first hand knowledge of the fact this situation is part of some sort of master plan.

 

[Obnoxious Asshole]

So Vickers is filing for divorce and bankruptcy and people online are speculating that this is all some part of some ill-conceived, and probably highly illegal, master plan, and cog is in discord basically telling everyone that he has first hand knowledge of the fact this situation is part of some sort of master plan.

Yes. It's a conspiracy of tards. Against the IRS and a swap loan collections department. This can only end well for us. Them, not so much.

 

[John Andrews Stan]

So Vickers is filing for divorce and bankruptcy and people online are speculating that this is all some part of some ill-conceived, and probably highly illegal, master plan, and cog is in discord basically telling everyone that he has first hand knowledge of the fact this situation is part of some sort of master plan.

Correct. I didn’t know what I was triggering when I speculated the divorce could be another one of Vickers’ ill-fated schemes.

Fact is that two things can be true: Ariana can be done with this toothless fat tard and that toothless fat tard can simultaneously think he’s got a can’t-lose plan to exploit the otherwise unfortunate process for financial gain.

Whatever we think is going on, I’d bet good money that the reality is way more embarrassing and even more hilarious.

 

[Kheapathic]

FWIW a family member made money hand over fist on three apartments he bought in Cabo to rent out as timeshares. Ridiculously easy money if you can fund the initial investment. Until COVID demolished travel he was seeing a 10x ROI with minimal admin related to managing the properties.

Timeshares are amazing for whoever manages them and as long as you get a good location. But everyone else involved in the process, you're being taken advantage of, via paperwork that'd make the crankiest yenta on the HOA Board blush. Had a friend ask me about them once; told him it'd be easier to just give me ten grand and let me kick him in the balls with steel toed boots.

 

[PhoBingas]

I have heard those ads, in my weird listening to right wing talk radio, and I think it would be hilarious if somehow, those guys were even bigger scammers than the timeshare sellers themselves. I mean, they know they have a captive audience of suckers, because only suckers buy timeshares. So who would specifically advertise to people who are, by definition, suckers?

I always figured timeshares were always just a scam to part idiots from their money. Anyone with half a brain knows they're getting fucked up the ass if they're paying year-round for a place they might get to use one or two weekends a year.

 

[MirnaMinkoff]

I have heard those ads, in my weird listening to right wing talk radio, and I think it would be hilarious if somehow, those guys were even bigger scammers than the timeshare sellers themselves. I mean, they know they have a captive audience of suckers, because only suckers buy timeshares. So who would specifically advertise to people who are, by definition, suckers?

Well, duh, you just don't pay it.

You know how they say Nigerian Prince scams work because only the most gullible don’t immediately delete them? The 411 scams work because they immediately separate the idiots out from the pack. Same with companies that get you out of time shares, basically getting a list of verified suckers to scam again.

State Attorney Generals put up warnings about time share resale scams ffs.

https://www.ag.state.mn.us/Consumer/Publications/TimeShareResaleScams.asp

They prey on idiots that bought time shares that are so desperate to get out of time shares they can get scammed all over again. Wouldn’t surprise me if they are actually franchise companies of timeshare sellers wanting a second bite at the apple.