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.

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What caused Vickers' crazy eyes?

  • Tumour

    Votes: 49 3.4%
  • Stroke

    Votes: 201 13.9%
  • Gecko hybrid

    Votes: 396 27.4%
  • Dry eyes

    Votes: 33 2.3%
  • All of the above

    Votes: 766 53.0%

  • Total voters
    1,444
Real talk, I probably wouldn't have taken the job at the coin shop at the first place. Like even if you're a desk jockey at a bank, that's a fairly well-paying job, or at least a lot more stable than some random coin shop run by some gunted Oath Keeper.
Agreed. A guy with a few kids, and soon to make even more, leaving a stable salary at a legit bank to join a schizo guy’s coin shop and batshit minting operation is odd and not very responsible. Then again it’s probably wrong to assume Matt freely made this choice and wasn’t shit canned from the bank or on the verge of being fired. Seems like the type of “opportunity” you get involved with out of desperation. It was pretty obvious the guy was an unstable kook yet Vickers hopped aboard.


:optimistic:


If there's a trustee sale, they're already in foreclosure. The way out is pay the balance (or get current, which must be done at least 5 business days prior to a trustee's sale), in which case there will be a rescission.
I think this is the second or third time they’ve hit the point if “trustee sale notice”? Seems like in the past something has pulled them from the brink so just curious if that will happen again or not.
 
I think this is the second or third time they’ve hit the point if “trustee sale notice”? Seems like in the past something has pulled them from the brink so just curious if that will happen again or not.
Hmm. I just assumed that the house got no bidders willing to pay close enough to the mortgage amount in Feb (iirc, the notice was in Jan and sale set for Feb?) in which case the usual is that the lender effectively buys and owns it.

Or they could have postponed the sale.

And/or maybe they did come up with funds to bring it current, so back to square 1.

It's kind of nuts in general - a mortgage of 250k should only have a payment of +/- $2k ($1500 on a 30 at a fixed rate of 6%, so I'm allowing for the possibility of a (ack) variable/arm situation.) Or maybe they took a balloon mortgage and didn't refi (stupid), so massive amounts due. If even stopping payment on everything else they didn't have $2k/month, shit is grim.

Either way, not sure how you house a family in two locations (assuming separation/ divorce) for less than $1500-2k.

What a mess.
 
Agreed. A guy with a few kids, and soon to make even more, leaving a stable salary at a legit bank to join a schizo guy’s coin shop and batshit minting operation is odd and not very responsible. Then again it’s probably wrong to assume Matt freely made this choice and wasn’t shit canned from the bank or on the verge of being fired. Seems like the type of “opportunity” you get involved with out of desperation. It was pretty obvious the guy was an unstable kook yet Vickers hopped aboard.
He probably got shit-canned for being retarded, I wouldn't doubt that. He honestly strikes me as the kind of guy who thinks using 4d chess to take a coin shop from a scitzo was going to be his big break.
I think it might have been you, Minkoff that was saying it didn't seem like the Vickers had many / any adult friends. If they had a reputation for ripping people off on gold and silver in a smallish community that is probably pretty close knit and gossips to each other... They probably became local pariahs pretty quick, once it got out they're rip-off artists.
Either way, not sure how you house a family in two locations (assuming separation/ divorce) for less than $1500-2k.
With how rents are, he'd be lucky to get a one bedroom, or a one bedroom plus den for the $1500-2000 range.
*Edit to not double-post.
 
And if either way, Vickers needs to get a handle on his mouthpiece, because broadcasting a real or fake stupid plan is even dumber than having a real one.
It looks like he's already disposing of the store assets that were the collateral for his loan from Thor, specifically a router the store used.
:optimistic:


If there's a trustee sale, they're already in foreclosure. The way out is pay the balance (or get current, which must be done at least 5 business days prior to a trustee's sale), in which case there will be a rescission.
Or make an arrangement with your creditors (presumably subject to trustee approval), which I really doubt is an option for Viggers at this point considering he's made and reneged on repeated such agreements.
 
Or make an arrangement with your creditors (presumably subject to trustee approval), which I really doubt is an option for Viggers at this point considering he's made and reneged on repeated such agreements.
If I were Viggers' creditors, I'd be taking the copper out of his walls and the gold out his teeth, otherwise they're not going to see a cent unless he gets caught with all this bankruptcy fraud he admitted to committing on Cog's stream.
 
It looks like he's already disposing of the store assets that were the collateral for his loan from Thor, specifically a router the store used.
Plausible argument that it's a normal sale (of a de minimus asset) for a business moving from brick & mortar to online-only...plus it's only $80 (likely $20 realized if lucky)...but of course turning assets should be spelled out in the agreement and/or discussed prior to sale with the lender. However, it's at least even money he is just going rogue.

(And in my observation, career grifters get away with a lot more than the everyday Joe who just got into a jam)

Or make an arrangement with your creditors (presumably subject to trustee approval), which I really doubt is an option for Viggers at this point considering he's made and reneged on repeated such agreements.
Well, this is just the house, so it would just be a negotiation with the mortgagor/ lender. And yeah, agree that his history is likely a big drag on any sort of negotiation with them - if he even tried or had anything to offer other than "please, again."

[did I miss that he has an actual active/new bankruptcy filing? I thought this was speculation, based on business retool + divorce filing, and that the last one was some time ago. I did go back through the thread and just saw the sordid history of bankruptcies, liens, etc., though didn't note dates on much. Did anyone look for actual judgments?]
 
It's kind of nuts in general - a mortgage of 250k should only have a payment of +/- $2k ($1500 on a 30 at a fixed rate of 6%, so I'm allowing for the possibility of a (ack) variable/arm situation.) Or maybe they took a balloon mortgage and didn't refi (stupid), so massive amounts due. If even stopping payment on everything else they didn't have $2k/month, shit is grim.
Things are fucking grim. It seems to me that they've been robbing Peter to pay Paul for as long as their kids have been alive. I think Matt and Arianna discovered the infinite money glitch of "pay enough of what you owe so you don't lose X immediately" as young adults and ran with it. Newcomers, not you, often wonder at how this cow or that cow manages to not be in jail or whatever given the current circumstances when the truth is it isn't that hard to limp along in life putting off consequences beyond your immediate future so long you keep your head reasonably low. You just need to have a complete lack of concern for the long term. It all comes crashing down eventually, but that's Tomorrow Vickers' problem.

Matthew Vickers was paypigging Cog and PPP, bragging about monthly trips to Disneyland with his daughter's molestor, and paid Dan to assault Gunt bought Gunt's the bloody shirt all while he couldn't pay his fucking mortgage. It wouldn't shock me to learn their internet got turned off and that's the only reason why he stopped streaming. The dude is straight white trash from his teeth to having to provide for his grandson thanks to how poorly he raised his daughter.
 
A Breach of Contract lawsuit was filled against Vickers back in 2022.
I pulled the lawsuit for this myself from the New York courts website. (I don't know why it says Kings County Superior Courts, it's Kings County Supreme Court)

You can find it yourself here:
https://iapps.courts.state.ny.us/nyscef/CaseSearch

Search for "Matthew Vickers".

There are two documents, a complaint plus one attached exhibit (the "revenue purchase agreement") and then a notice that the plaintiff was discontinuing the suit.

The exhibit is the key document.

From reading the agreement, Matthew Vickers received an initial payment of $45,000 from Thor.
In return, he had to pay back $67,455. This is the initial payment plus 49.9%.


Vickers agreed to pay 12% of future receipts (so not net income or profit) into the business on a daily basis until such time that the $67,455 was paid in full, excepting US banking holidays, which was estimated to be $844. This would appear to place estimated receipts (not profit) for Rocklin Coin Shop at around $7,000 daily. At this payment amount it would take 80 days (not including any holidays) to pay the full amount.

The contract specifies that the agreement Vickers entered into "is not intended to be, nor shall it be construed as a loan." Vickers was "selling a portion of future revenue stream to FUNDER at a discount, and is not borriwng money from FUNDER, therefore there is no interest rate or payment schedule and no time period during which the Purchased Amount must be collected...", and Vickers could renegotiate the payment amount if 12% of receipts turned out to be lower than $844 daily. From what I understand from the contract, the way he would have to do this would be to email these people asking for a reduction in payments. They would then do research, potentially going as far as to log in to his business' bank account, and determine what 12% of receipts over the previous 2 weeks was and set that as the payment amount for the following two weeks. If he wanted the payment amount adjusted for longer than that he would have to go through this process every two weeks.

Vickers agreed to give access to the company bank account:the funding company was to be provided "with all of the information, authorizations and passwords necessary for verifying Merchant’s receivables, receipts, deposits and withdrawals into and from the Account"

According to the complaint, the agreement was entered into in February 2022 and as of April 2022 Vickers paid $29,540. He owed a further $37,915 and Thor wanted him to pay an additional $17,174.50 for fucking around.

According to the complaint, Vickers "also materially breached the Agreement by using more than one depositing bank (account [sic] which has not been approved by Plaintiff."

complaint-3.jpgcomplaint-4.jpg

The lawsuit was discontinued by the plaintiff after a couple days, so presumably they came to an agreement.

Document 1 is the complaint.
complaint-1.jpgcomplaint-2.jpgcomplaint-3.jpgcomplaint-4.jpgcomplaint-5.jpgcomplaint-6.jpgcomplaint-7.jpgcomplaint-8.jpg

Document 2 is the exhibit - the agreement:
exhibit-1.jpgexhibit-2.jpgexhibit-3.jpgexhibit-4.jpgexhibit-5.jpgexhibit-6.jpgexhibit-7.jpg

Document 3 is a notice from a couple days later from the plaintiff dropping the lawsuit without prejudice.
notice-1.jpg

In terms of the liens:

The first one below must be related to the lawsuit by Thor and was filed on the same day as the lawsuit complaint.

The lien below that one may or may not be related, I can't tell because it only has the name of a third party company acting as a representative. The optional filer reference numbers are completely different though.

lien.png

The first lien is still listed as active. The second was terminated on November 26, 2022.

If these two liens weren't related I think there is a problem because they sure sound to have been secured by substantially the same underlying assets.

lien1.pnglien2.png
 
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I'm not simping for Vickers, I don't like how predatory money lending is, but at the same time, holy fucking shit for him agreeing and signing that agreement.

Should've just sold a kidney on the black market if you needed the money that badly.
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.
Hmm. I just assumed that the house got no bidders willing to pay close enough to the mortgage amount in Feb (iirc, the notice was in Jan and sale set for Feb?) in which case the usual is that the lender effectively buys and owns it.

Or they could have postponed the sale.

And/or maybe they did come up with funds to bring it current, so back to square 1.

It's kind of nuts in general - a mortgage of 250k should only have a payment of +/- $2k ($1500 on a 30 at a fixed rate of 6%, so I'm allowing for the possibility of a (ack) variable/arm situation.) Or maybe they took a balloon mortgage and didn't refi (stupid), so massive amounts due. If even stopping payment on everything else they didn't have $2k/month, shit is grim.

Either way, not sure how you house a family in two locations (assuming separation/ divorce) for less than $1500-2k.

What a mess.
You might be correct that no bids occurred. I have no idea how this process unfolds but saw it mentioned they had gotten “trustees sale notices” in the past so just assumed that meant they coughed up some money to save the house, but that might not be the case.
 
Cog actually is in contact with Vickers though.
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.
I think the people here are right and Vickers saw people clowning on him and had to correct the record via Cog.
He’s monumentally retarded enough to brag about his federal tax fraud just to “own the a-logs.” This nigger is a future Darwin Award winner for sure.

And yet he still maintains that he’s a master strategist who has it all figured out but nobody else is as smart and so no one else can figure out his genius blueprint. “Trust the plan, a-logs.”
 
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.

You might be correct that no bids occurred. I have no idea how this process unfolds but saw it mentioned they had gotten “trustees sale notices” in the past so just assumed that meant they coughed up some money to save the house, but that might not be the case.
Could be. Lenders generally try fairly hard (ymmv) to keep a loan obligation in place if there's a chance of repayment. So they will often negotiate past any legally required time frames...if someone has something to bring to the table, even a decent-sized scrap. Depends on lender and the market & credit risk tolerances.

Somehow I didn't even check to see who the mortgagor is. Might go look for that, bc who it is might give a clue to their positioning. But after 2 or 3 filed bankruptcies and now a default, can't imagine they'd be too open to a break without a big bump. (That said, CA real estate is wacky, so who knows.)
 
Somehow I didn't even check to see who the mortgagor is. Might go look for that, bc who it is might give a clue to their positioning. But after 2 or 3 filed bankruptcies and now a default, can't imagine they'd be too open to a break without a big bump. (That said, CA real estate is wacky, so who knows.)
Considering CA's real estate prices it might be in Vicker's best interest for it to go to auction if he gets to keep the surplus proceeds of the sale, especially if its enough to satisfy the other liens against him and possibly avert the bankruptcy. I don't know what it's value is though.
 
Lenders generally try fairly hard (ymmv) to keep a loan obligation in place if there's a chance of repayment

I know on the business side of lending, banks will damn near bend over backwards to try and keep the business afloat in order for those monthly payments to come in. Whether that be deffering payments, getting you with coaches or others that can provide advice, etc.

Once it becomes known you're skipping certain bills just to pay employees and then being late on paying employees, the bank's already sent someone to check out your property and current state of the business.
 
I know on the business side of lending, banks will damn near bend over backwards to try and keep the business afloat in order for those monthly payments to come in. Whether that be deffering payments, getting you with coaches or others that can provide advice, etc.
Because it lets them not mark the debt down as shit, which is always a hit to the bank and the manager who has to do it.

But this …. thing that Vicky found is outrageous even Jews would be embarrassed to offer this. They’d still do it, but they’d feel embarrassed.
 
Considering CA's real estate prices it might be in Vicker's best interest for it to go to auction if he gets to keep the surplus proceeds of the sale, especially if its enough to satisfy the other liens against him and possibly avert the bankruptcy. I don't know what it's value is though.
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.
But this …. thing that Vicky found is outrageous even Jews would be embarrassed to offer this. They’d still do it, but they’d feel embarrassed.
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.
 
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Plausible argument that it's a normal sale (of a de minimus asset) for a business moving from brick & mortar to online-only...plus it's only $80 (likely $20 realized if lucky)...but of course turning assets should be spelled out in the agreement and/or discussed prior to sale with the lender. However, it's at least even money he is just going rogue.
I think the fact that he's shutting it down makes it even more likely. It's because he's absconding with the inventory and he's going to do whatever he can to cook the books and remove as much as he possibly can from the physical area that would be bagged-and-tagged in the event of a sale.

If I were a creditor in this situation I would be filing for everything he owns to be put into receivership and an immediate inventory.
[did I miss that he has an actual active/new bankruptcy filing? I thought this was speculation, based on business retool + divorce filing, and that the last one was some time ago. I did go back through the thread and just saw the sordid history of bankruptcies, liens, etc., though didn't note dates on much. Did anyone look for actual judgments?]
I believe there have been at least three, the most recent, and still active where an attorney has just filed an appearance in late 2023, is the 2018 one.

Nov 14, 2023
On 11/14/2023, Change of Address Submitted for Attorney W. Shumway through Pacer Service Center. Address changed to: 3300 Douglas Blvd Suite 250 Roseville CA 95661. IF YOUR CLIENT IS RECEIVING MAIL AT YOUR ADDRESS, IT IS YOUR RESPONSIBILITY TO SUBMIT A CHANGE OF ADDRESS FORM (EDC 2-085) FOR EACH CLIENT IN EACH APPLICABLE CASE.


Nov 14, 2023
Change of Address by Attorney
The three bankruptcy cases (and the link should lead to any future cases for that matter).
 
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I didn’t even know these type of “loans” that aren’t loans existed. Selling future revenue stream?

It's a thing. It's a rough thing (and you're right: not a loan, but it is financing), but it is legit. There is also invoice factoring and other stuff, but looks like this was revenue-based financing.

Who should get revenue-based financing?​

Revenue-based financing is usually best suited for high-growth businesses; certain startups; existing businesses that are experiencing cash flow problems but still maintain high revenue; and borrowers who cannot qualify for traditional financing because of poor personal credit. You don’t necessarily need to be turning a profit, have collateral or strong personal financials to qualify for revenue-based financing.
Revenue-based loans rely on immediate revenue, so if you are in a pre-revenue stage of business, it won’t be an option for you. Businesses that aren't yet generating revenue might be better off with a business line of credit or another startup loan option.
(quote from link above)

Considering CA's real estate prices it might be in Vicker's best interest for it to go to auction if he gets to keep the surplus proceeds of the sale, especially if its enough to satisfy the other liens against him and possibly avert the bankruptcy. I don't know what it's value is though.
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 (:optimistic: ) 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 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.

No Italian surnames in evidence, but it's a new world.
 
Vickers’ smug stupidity reminds me of John Darwin, the man who faked his own death in a canoe accident at sea, only to sneak back ashore to force his long suffering wife to claim on his life insurance to pay off their spiralling debts.

He dreamt up the wacky scheme, then made her hide him inside their house whenever anyone came to call, including their own two sons, who he didn’t care to inform he was actually still alive.

Of course they were ultimately caught, when pictured buying timeshare abroad or something. They posed for a photo for the estate agent’s website, thinking because it was abroad, it wouldn’t be seen.

Just the harebrained, smug, selfish attitude, that he has thought of a foolproof plan no-one else could see from a mile off, reminds me so much of Vickers. Especially pulling in the family, who are going to suffer more from the stress of having to lie for him.
 
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