Money Chandlers sued for debt megathread

[Jeff Gazetti]

And only for taxes. Plus child support. There is zero way out of that particular shit.

It’s true. My Ex’s SSI, federal return and her class action suit were all garnished and sent to me. At least this is how it is in Ohio and WV.

 

[Debbie Macomber]

Will this case be open to the public? The incest case has been sealed, so if Chris is allowed to attend this hearing, this might be our one and only chance to catch video of Chris in his black and white striped suit being led to court by chains around his hands and ankles! That would make this minor development worth it.

Maybe they can't garnish SSDI checks, but perhaps they can get permission to seize it from his bank account. If his checks have been piling up for a year and Chris owes $12,000 I don't see any reason the judge wouldn't let them take the $12,000 from his bank account. I hope this happens, because I hate the thought of his checks piling up as reward for him when he gets out, so that we immediately get a video of Chris gorging on steak and lobster in his Ritz hotel room full of transformers and ponies, bragging about how this is his reward for the noble sacrifice he made for Barb's sake. Hopefully his checks were shut off when he went to Western State, and what piled up will soon be seized from his bank account.

 

[Exceptional Chimp]

I'm guessing the tugboat was "garnished" by Barb soon after it hit his account. If going to Western shut that off the tard farm will have to get it turned back on (Chris ain't doing shit) and they're paying themselves first.

Either way it's No Lego for Chris.

 

[Kyuss]

I'm guessing the tugboat was "garnished" by Barb

(small edit)
SSDI are put on hold with one exception, dependent benefits are an entirely separate payment (called family allowance) that can still be sent to key people even if you're incarcerated (though possibility of termination while in prison can happen).
Family allowance is a 50% increased cap on your families benefits solely for dependents.
If you make 1k dollars for reference you can make at maximum 1.5k dollars. That extra 500 dollars is usually sent to a spouse. If Barb constitutes as a dependent, it could be sent to her or her financial caretaker. She can not receive HIS benefits though, they are not her benefits in this scenario.
SSI benefits are also separate. Chris can receive benefits from SSI and he can add dependents to that SSI. If he is in prison his portion of the benefits can not be received by anyone. Dependent benefit portions continue on as per usual.

 

[AnOminous]

Will this case be open to the public? The incest case has been sealed, so if Chris is allowed to attend this hearing, this might be our one and only chance to catch video of Chris in his black and white striped suit being led to court by chains around his hands and ankles! That would make this minor development worth it.

I doubt there will be anything particular to see, or that Chris will even be aware of it or care about it. Probably they'll just file a motion for default judgment which will be granted unless they screw up the formalities somehow, which PRA actually does fairly often with their bullshit cookie-cutter lawsuits.

Maybe they can't garnish SSDI checks, but perhaps they can get permission to seize it from his bank account.

Legally they can't but they're not above pretending not to know the bank account they're levying on is Social Security. Usually if you want to avoid this you have two bank accounts, one solely for receiving your SSI and one for other money, with the SSI account marked as not being able to be levied upon, but unless Bob set this up while he was still alive, it's unlikely either of those fucking idiots Chris and Barb did.

Chris can receive benefits from SSI and he can add dependents to that SSI. If he is in prison his portion of the benefits can not be received by anyone. Dependent benefit portions continue on as per usual.

I'm not sure what the effect of a deferred adjudication would be in the case where, as it appears, he's actually still incarcerated for whatever reason.

 

[Kyuss]

I'm not sure what the effect of a deferred adjudication would be in the case where, as it appears, he's actually still incarcerated for whatever reason.

Honestly I have nothing to add my man. I'd be spewing pure speculation. SSA is an enigma at best of times giving benefits to women who think they have ptsd because someone called them fat and denying benefits for a man who legit has carpal tunnel so badly from decades of hard manual labor that he is nearly permanently gimp handed. A lot of their decisions are seriously determined at each step of the process and completely at the power of the one in charge of each step.
That's why they allow appeal processes, to try and prevent power trippers from denying claims to select groups. I digress, in regard to our boy Chrissy.
I found a very loose citation on SSA page that states if he is transferred to a mental hospital or medical (general) hospital he can receive all benefits for 3 months even if it's forced institutionalized.

I can tell you from personal knowledge from a friend that no benefits are canceled without receiving a letter from the SSA. So Chris would be fully aware before it happened.

 

[AnOminous]

I found a very loose citation on SSA page that states if he is transferred to a mental hospital or medical (general) hospital he can receive all benefits for 3 months even if it's forced institutionalized.

If I recall correctly, there's a somewhat arcane procedure for actually claiming benefits under those circumstances, and many people fail to do it properly. So Chris could be aware of it coming down the pipeline but be too retarded to manage to stop it. Heilberg may have managed to structure things to avoid him losing benefits (possibly why he has been kept in jail).

I can tell you from personal knowledge from a friend that no benefits are canceled without receiving a letter from the SSA. So Chris would be fully aware before it happened.

This has been the case since the 1970 case Goldberg v. Kelly established the right to notice and due process (consisting of at least an oral hearing) prior to the termination of benefits.

 

[Kyuss]

This has been the case since the 1970 case Goldberg v. Kelly

Yes accurate, it's three months rough turnover with appeals taking up to a year or more.

As for the preparing beforehand? I know almost for a fact Chris is on SSDI as SSI is not often given for disabilities and the SSDI amount would negate his ability to get SSI income.
Chris has a lifetime of hard evidence for disability and 20 years roughly of prompted reviews for his case that he has "rule in favor for". Meaning they deem nothing has changed about his situation. If there is a loophole for preparing for this he would have great precedent for approval. That's about all I know. I'm not even aware if Chris knows that sometimes reviews for disability comes in or that he should be proactive with his only source of income. Bob/Barb might have just filled out all the paperwork for him.
What's more, his income isn't even that much. Bob was moderately successful, but they weren't rich.
Chris income might only be 1.5-2k dollars monthly and they are still paying mortgage on that house.
Assume 500 dollars to mortgage, 300-600 dollars on food. That doesn't leave a lot to work with.
He still has his utilities, he still has his debts, yearly taxes negate an entire months worth of benefits.
and he is still an autistic manchild to boot.

It's very terrifying just how much of Barb's own social security he was stealing from every month.

 

[Funeral for a Furry]

The truth is even if there is any money left for him once he is relished it will only get piss up the wall on toys.

 

[Kyuss]

The truth is even if there is any money left for him once he is relished it will only get piss up the wall on toys.

He is losing the house one way or another, it's less a matter of how and more we should unironically start a betting pool on when. If you get it right Null gives you an award.

 

[DuckofDoom]

Like several people have already mentioned, SSDI can really only be garnished for things like Child Support, Alimony and occasionally for unpaid taxes. The only way that a collections agency would get their claws on Chris's SSDI would be if he deposited it into the same account that he was also depositing money from his ebay sales or donations. In that case, the collections agency would request the account be temporarily frozen and conduct an audit on the account. Assuming they had a competent lawyer, they would argue that the account holder used the SSDI funds to make any payments out of the account and any remaining funds were from other sources and eligible to be taken by the collections agency, at least up to the amount of non-SSDI deposits made within the audit timeframe.

 

[Hogar Grupal]

It's very terrifying just how much of Barb's own social security he was stealing from every month.

It's no secret that Chris was stealing from his parents wallet and purse for years. Also, Chris has an exceptional view on money. He spends a lot and expects his parents to "foot the bill" one way or another because Chris thinks they should be obligated to do. Even by other manchildren standards, that very irresponsible (then again, responsibility/accountability has never been one of Chris' strong suits). It's one of the reasons why Chris is in the financial hole that he's in, and Barb's own money "management" didn't help either.

 

[Kyuss]

It's no secret that Chris was stealing from his parents wallet and purse for years. Also, Chris has an exceptional view on money. He spends a lot and expects his parents to "foot the bill" one way or another because Chris thinks they should be obligated to do. Even by other manchildren standards, that very irresponsible (then again, responsibility/accountability has never been one of Chris' strong suits). It's one of the reasons why Chris is in the financial hole that he's in, and Barb's own money "management" didn't help either.

Am I remembering it wrong that Chris was also footing a lot of his debt on Barbs credit cards in the last 5 year or so? I mean it's not entirely a stupid thing to do with an aging parent who dies with the debt.
Except it brings us to one point. Even if Barbs SS can not be garnished nor Chris SSDI be garnished.
A lien on a house can be placed and nothing can stop it outside of Chris buying another lawyer to fight it. When Barb dies all assets that are in her name must be sold to meet the debts first and foremost before Chris can touch anything. Arguably since he is disabled I will for his sake throw out a bone of a scenario where he might be able to keep the house.
It's not unheard of for judges to dismiss liens for hardships and disables. It would save the state money not putting him in a halfway-home.
I don't think Chris has the ability or finances though to get a lawyer to fight it.
As those collector debts on his record effectively mean he can not take a line of credit to get a lawyer.
Hope it was worth it Chris, sure you kept your tugboat, but you destroyed its value in another way.
Get ready for "we can do better please donate more arc 2.0" for his gofundme.

 

[Hogar Grupal]

Am I remembering it wrong that Chris was also footing a lot of his debt on Barbs credit cards in the last 5 year or so? I mean it's not entirely a stupid thing to do with an aging parent who dies with the debt.
Except it brings us to one point. Even if Barbs SS can not be garnished nor Chris SSDI be garnished.
A lien on a house can be placed and nothing can stop it outside of Chris buying another lawyer to fight it. When Barb dies all assets that are in her name must be sold to meet the debts first and foremost before Chris can touch anything. Arguably since he is disabled I will for his sake throw out a bone of a scenario where he might be able to keep the house.
It's not unheard of for judges to dismiss liens for hardships and disables. It would save the state money not putting him in a halfway-home.
I don't think Chris has the ability or finances though to get a lawyer to fight it.
As those collector debts on his record effectively mean he can not take a line of credit to get a lawyer.
Hope it was worth it Chris, sure you kept your tugboat, but you destroyed its value in another way.
Get ready for "we can do better please donate more arc 2.0" for his gofundme.

I wouldn't doubt if Chris used Barb's CC to buy more junk for himself.
That would be hilarious if Chris establishes another gofundme (by himself with no help), and some people would still donate. If Chris does get the house in his favor, will he finally start getting Barb's junk out, or will he just add more of his stuff over hers?

 

[Kyuss]

Barb's junk out, or will he just add more of his stuff over hers?

I might not be the best judge on this, I like to think I can read people, but i'm somewhat autistic myself.
I think he wouldn't really branch out from his own room. It's been his cave, his nest for years and someone like Chris might not be able to handle cleaning a house out and taking over the master bedroom. Chris has time and time again proven he is still a manchild, but I have hope. In the last ten years or so he showed numerous citations that he was learning, slowly adapting to his father passing away or he can't just trust every fake woman persona he comes across on the internet. I'd estimate Chris is about 15 years behind in development of a normal person. This doesn't include the autism itself. Which makes him probably closer to 20 years behind the point where the average person would be. Autistic people are not that far behind normies.
He just now is at the "financial learning curve" where most teenagers 16-20 are learning that money is finite that we are no longer children. He is effectively in his college years so to speak and I mean look at him. He was having a blast at the pony conventions and actually starting to talk to people and have a good time without it being entirely troll based. Even having fucking decently cute women hanging on his arms at some of these events.
I would love to see Chris keep the house I really would, i'd love him to clean it out completely, to take over the master bedroom, to have a den to actually hang out and play his toys in. To slowly just pay for bills himself (even if government aid is provided).
I am just very ready for disappointment.

 

[AnOminous]

In that case, the collections agency would request the account be temporarily frozen and conduct an audit on the account.

Considering this is Portfolio Recovery Associates, one of the scummiest of these operations, I think it's optimistic to think they'd be very assiduous about dotting all their is and crossing all their ts.

 

[A-№1]

If Barb constitutes as a dependent,

She doesn't. At least not a dependent of Chris.

Legally they can't but they're not above pretending not to know the bank account they're levying on is Social Security.

Except I suspect Barb got there first.

I'm not sure what the effect of a deferred adjudication would be in the case where, as it appears, he's actually still incarcerated for whatever reason.

Deferred disposition is technically not a conviction (until Chris fucks it up), so it shouldn't affect his SSDI even if he's still being held in jail. That said, bureaucracies, especially highly automated bureaucracies, do fuck up.

SSA is an enigma at best of times giving benefits to women who think they have ptsd because someone called them fat and denying benefits for a man who legit has carpal tunnel so badly from decades of hard manual labor that he is nearly permanently gimp handed.

I've seen them get caught red handed applying white-out to medical reports to deny benefits.

So Chris would be fully aware before it happened.

Heilberg would be fully aware, but I suspect Chris would merely be informed.

He is losing the house one way or another,

In a very real sense, he's already lost the house. He's not going back to 14BLC. Certainly not while there's a chance Barb is there. When Barb finally goes to that great, glorious hoard in the sky, whatever share Chris has in the house left over from the mortgage will go to creditors.

He just now is at the "financial learning curve" where most teenagers 16-20 are learning that money is finite

Now if we could just get congress to learn that lesson…

Considering this is Portfolio Recovery Associates, one of the scummiest of these operations, I think it's optimistic to think they'd be very assiduous about dotting all their is and crossing all their ts.

Chris is just another collections account as far as they're concerned. They'll run the same basic process on him as every other case and hope they can collect on more cases than not. These asshats operate on volume, not specifics.

 

[King Kiwi]

A Redditfag was speculating that Chris and Barb were involved in credit card fraud, like misrepresenting their income and employment in order to get more credit. The poster further commented that Chris was using Bob's Paypal or something when his was in the red, or at least someone set up a Paypal with Bob's information.

Not sure if that's true, but I could see them misrepresenting things in order to get more credit cards. To whomever is suing, they might believe Chris actually has income. Wouldn't be the first time Chris has engaged in fraud of some kind.

I was going to ask if Chris is smart enough to engage in credit card fraud, then I remembered he can be as crafty as Barb sometimes.

 

[Jon Osterman]

If Chris does get the house in his favor, will he finally start getting Barb's junk out, or will he just add more of his stuff over hers?

There is so much shit in that house that I'm sure even normal people wouldn't bother and just get a crew or go somewhere else and you're wondering if Chris would try?

I was going to ask if Chris is smart enough to engage in credit card fraud, then I remembered he can be as crafty as Barb sometimes.

Barb has always been crafty when it comes to hustles, so I'd assume she'd be the one doing most of the fraud. If Chris were to do it, it'd either be unintentional (he says he's employed as a freelance artist or that he has boat loads of cash in Cwcville) or he learned from Barb.

 

[Debbie Macomber]

Can you imagine being the credit collection lawyer on this case? You think this is just your run of the mill deadbeat hillbilly collection, and then they bring in Chris in a striped suit with chains, and you think "Damn, just for credit card debt?"

The judge swears in Chris, "Do you swear to tell the whole truth and nothing but the truth, so help you God?"
"So help me ME because I am the Hyperdimension Neptunia CPU goddess bluheart of the Commadore consoles Jesus Christine Weston Chandler Sonichu. It was okay for me to soulbond with Barbi because I was healing her with my goddess powers! Sexual is only a small part of it."

And the judge says, "Ms. Chandler, this isn't the incest case."

At that point, most people would go "Incest case? Never mind the $5000, this shit ain't worth it!"