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.

[mindlessobserver]

As far as I can tell he never successfully declared bankruptcy and it all kept growing.

The third failed bankruptcy was 2018-19, more likely if finances had anything to do with it, it was probably when the bank started sending notices in advance of possible foreclosure starting late last year.

failing to sustain a bankruptcy petition is retarded in its own right. Literally ALL Chapter 7 petitions are passed, provided they meet the minimum statutory standards. The most common reason for dismissal is failure to attend credit counseling. Hilariously.

The fact Vickers filed three times and failed three times is amazing. I would absolutely love to see if anyone can get their hands on his third failed attempt. I would love to see what the court said after the third failed attempt.

Ugh, I was about to go to sleep.

Time to fire up PACER.

 

[JT Marlin]

Ralph has confirmed that he's seen the news but said he isn't going to comment on it (for now)

When he does, I think he's going to "take the high road" by waxing philosophically in a back handed manner about what happened and how it could have been avoided.

 

[TherapyMan]

Based on the screencaps I've seen @TherapyMan post (can correct if wrong), Vickers never successfully declared bankruptcy.

I’m no expert on the matter but the links shared show he filed 3 times but it was dismissed every time and he never submitted to a scheduled payment plan

I'm not sure his previous bankruptcy filings were granted, he just kept refiling as they were denied.

This is correct.

Vickers and his wife attempted to do a Chapter 13 bankruptcy, but failed every time. What Chapter 13 means is that you declare all your debts and create a payment plan to restructure the outstanding debt, usually for a period of five years. In exchange for fulfilling the terms of the payment plan, you can eliminate all debt provided by the plan (with some exceptions like a mortgage for instance, not going to write a treatise on bankruptcy law). Further, filing for Chapter 13, as others have stated, can protect your home from foreclosure. Many people file for Chapter 13 as a way to reduce the payments going towards other various debt so that they can bring their mortgage current and avoid a foreclosure as well as get out from under crushing amounts of personal debt.

Vickers attempted to pay down the debt by establishing a payment plan and failed to make the payments. The consequence of failing to fulfill the plan means that all that debt keeps on chugging, interest keeps building, arrearages get even more severe, and as we've seen, your house can be foreclosed upon.

 

[SaidNoOneEver]

This is correct.

Vickers and his wife attempted to do a Chapter 13 bankruptcy, but failed every time. What Chapter 13 means is that you declare all your debts and create a payment plan to restructure the outstanding debt, usually for a period of five years. In exchange for fulfilling the terms of the payment plan, you can eliminate all debt provided by the plan (with some exceptions like a mortgage for instance, not going to write a treatise on bankruptcy law). Further, filing for Chapter 13, as others have stated, can protect your home from foreclosure. Many people file for Chapter 13 as a way to reduce the payments going towards other various debt so that they can bring their mortgage current and avoid a foreclosure as well as get out from under crushing amounts of personal debt.

Vickers attempted to pay down the debt by establishing a payment plan and failed to make the payments. The consequence of failing to fulfill the plan means that all that debt keeps on chugging, interest keeps building, arrearages get even more severe, and as we've seen, your house can be foreclosed upon.

Could the bankruptcy filings themselves have been a ploy to halt the debt collectors calls and perhaps renegotiate certain debts on more favorable terms?

 

[Ghost of Guntmas Past]

As far as I can tell he never successfully declared bankruptcy and it all kept growing.

The third failed bankruptcy was 2018-19, more likely if finances had anything to do with it, it was probably when the bank started sending notices in advance of possible foreclosure starting late last year.

When did Faith move out to Richmond? Was it early 2020? Sounds like there was some turbulence in the Vickers home right before it happened.

 

[Pitbull Victim]

Here's a post that aged really well:

 

[Fascist Kirk]

Could the bankruptcy filings themselves have been a ploy to halt the debt collectors calls and perhaps renegotiate certain debts on more favorable terms?

guy is selling his microphone on ebay for 50 dollars , and his fucking router ..... guy is totally BTFO .........

 

[Septic Tank Bomber]

>Bet everything you have against a man pig literally has nothing to lose.
>Had nothing to take
>Lost everything
>mfw

 

[SaidNoOneEver]

guy is selling his microphone on ebay for 50 dollars , and his fucking router ..... guy is totally BTFO .........

I meant the previous filings that he didn't follow through on. This one at least appears real if the house is being foreclosed on.

 

[TherapyMan]

Could the bankruptcy filings themselves have been a ploy to halt the debt collectors calls and perhaps renegotiate certain debts on more favorable terms?

Desperate debtors file bogus bankruptcy filings to get an automatic stay all the time. The problem is that creditors will slap that shit away and append their attorney's fees to the debt ledger, so while it can be an okay temporary hail mary, you're going to end up owing even more in the end and not being any closer to solvency. I'm not going to look over the entire record to see if the filings are ostensibly legit or not, so people can make their own best judgment as to how hard the Vickers tried here.

 

[mindlessobserver]

Holy shit the 2018 case is a shit heap! 234 docket entries.

TWO HUNDRED AND THIRTY FOUR DOCKET ENTRIES.

My tism has been triggered.

 

[CarlosDanger]

Wrong father in law. Harry has money and a house. He is divorced though but that happened a long time ago.

I always confuse the two for some reason lol.

 

[Fascist Kirk]

I meant the previous filings that he didn't follow through on. This one at least appears real if the house is being foreclosed on.

Desperate debtors file bogus bankruptcy filings to get an automatic stay all the time. The problem is that creditors will slap that shit away and append their attorney's fees to the debt ledger, so while it can be an okay temporary hail mary, you're going to end up owing even more in the end and not being any closer to solvency. I'm not going to look over the entire record to see if the filings are ostensibly legit or not, so people can make their own best judgment as to how hard the Vickers tried here.

Guy eschanges currency he is a coin merchant. You would think a guy who exchanges currency could read a loan agreement, interest rates and consequences if not paid ..... dear lord bring back debtors prisons!

 

[Schpoots]

So not only have their lives been effectively ruined, they also have to raise the son of the man that lead to their lives being ruined. Brutal. Oh, and one of them will be doing it alone because they're getting divorced and Faith is too retarded to raise a kid herself.

All because Faith wanted to suck ralphs dick to own her daddy, and because her parents wanted to spend all their money to sue a man that has none. Amazing.

 

[HONKY DESTROYER]

>Bet everything you have against a man pig literally has nothing to lose.
>Had nothing to take
>Lost everything
>mfw

I lost it all whatever dude

 

[MirnaMinkoff]

Guy eschanges currency he is a coin merchant. You would think a guy who exchanges currency could read a loan agreement, interest rates and consequences if not paid ..... dear lord bring back debtors prisons!

Vickers always thought he was the smartest guy in the room. I think he had just enough knowledge to be a danger to himself. His bankruptcy filings and coin dealing was probably some 4-D chess game he thought he could win. Coin dealers are notorious for shady bullshit and questionable dealings. Hell, even the backstory as to how he ended up with the coin store is bizarre and shady. Drama seems to follow him everywhere.

I’d wonder if some of his debt was trying to use loans to buy coins/metal he then thought he could hide or write off as losses. It all smells like some shell game he was trying to play and lost very badly,

I’d say the house foreclosure and scheduled bank auction was the final straw for the marriage. Covid bucks probably staved off the inevitable for a few years.

 

[Fascist Kirk]

Vickers always thought he was the smartest guy in the room.

I wonder how many loans he took to sue a mexican gunt in california familly court ...... since the begenning when PPP and godwinson interviewed the vickers, always felt like mrs. vickers was being held hostage........

 

[Wine em Dine em 69 em]

I always confuse the two for some reason lol.

It’s understandable.

 

[SaidNoOneEver]

Covid bucks probably staved off the inevitable for a few years.

They got less than $5k in Covid PPP loans which were later forgiven. I was a little surprised when I found this the other day after coming across all the liens. He probably could've easily scammed that program for 10x more than he did.

https://projects.propublica.org/coronavirus/bailouts/loans/rocklin-coin-shop-7965837310

 

[Balldo's Gate]

According to the last case from July 2018 he would have had to pay $2730 over 60 months under the plan.



According to the petition he also made an LLC for the coin shop but never operated under it as of 2018.



Coins and metal inventory was claimed to be $15,000.



The trustee's final report would have to be grabbed off of PACER:

Vickers always thought he was the smartest guy in the room. I think he had just enough knowledge to be a danger to himself. His bankruptcy filings and coin dealing was probably some 4-D chess game he thought he could win. Coin dealers are notorious for shady bullshit and questionable dealings. Hell, even the backstory as to how he ended up with the coin store is bizarre and shady. Drama seems to follow him everywhere.

I’d wonder if some of his debt was trying to use loans to buy coins/metal he then thought he could hide or write off as losses. It all smells like some shell game he was trying to play and lost very badly,

There's no signs that Vickers addressed any of the debt since 2019 and considering the closure of the physical store location and possible foreclosure on the house, he probably hasn't.

That would mean that during the whole Vickers-Ralph saga from start to finish he was hundreds of thousands in debt, even as he claimed to have spent a large sum of money in his feuds versus Ralph.