[SPREGULATION] Phil's possibly committed fraud, and not just with SSDI. - This is pretty sickening if true.

[nad7155]

Prison saga when?

Beecher made a better looking feeemayle than Phil ever will.

 

[MasterDisaster]

My main question is what in the hell could this caretaker possibly get out of the potato?

Money. People take out credit cards on dying family members all the time because they think once the person dies the debt just 'disappears'.
https://www.consumer.ftc.gov/articles/0081-debts-and-deceased-relatives
It doesn't go away but it often goes unpaid. She could have asked for something like a laptop while Phil gets to go on a spending spree.

 

[muh_moobs]

Making a fake ID isn't that hard, particularly in this case.

Sign up for the cell phone first with an address you can get the bill at. Tell some worker at a kiosk somewhere that you're new to the state and trying to get work to pay for "real" ID and that you lost your out of state stuff during travel, and if they don't buy it just keep trying until someone does.
Us the bill for the cell phone as proof of residence to get an ID card.
Take the ID card to to the bank and apply for credit as Nick.
When the background check is done, no one is going to crunch numbers to determine how many people share that surname in the US, so when they see that an N. Delici in Jersey is a sped, they'll just assume that the N. Delici living in California is a different one and approve.

The cell phone could be even easier to get if Philth signed up for a "pay as you go" plan. To make this more likely to succeed, Phil would just need to be using a DOB that was 21 or 22 years old. New adults usually don't have a credit history.

 

[The Dude]

Honestly, I wouldn't put it past Phil to do something this despicable. He's human garbage and the only things beneath him are hard work, honesty, integrity, decency, and personal responsibility.

 

[BlueArmedDevil]

He wouldn't even have to go to a bank, there are a lot of high interest long term loans you can get online that don't need a whole lot of paperwork to apply for.

 

[repentance]

None of this means he didn't get a substantial back payment - the way the system works guarantees that by the time people are approved they're owed a fair bit of money. It may mean he had access to undisclosed resources, though.

I don't like the aggregator sites because they're often inaccurate, but if you're going to steal an identity then someone who pretty much doesn't interact with the business of living is a good target. People often know enough about their family and friends to impersonate them online/on the phone.

 

[Dr.Research]

Let's say Phil did get credit cards in his brothers name. In that case, would any debt be dumped on Nick or on the family in general? If he's technically legally incompetent but his name is attached to the card, would the responsibility fall to whoever his legal guardian (or executor or whatever the correct term is)?

I'm wondering what the ramifications are since we know Phil is garbage who skirts responsibility and who has no problem making everyone else's lives harder for his sake.

 

[AnOminous]

and for general information - Phil likes using Metro PCS as his prepaid phone service (info gleaned from past fb posts about him bitching that he needed money to pay his metropcs phone bill). I know from personal experience that you don't have to use your real name to get a phone through them. It's entirely possible, with as paranoid as phil is, he may have used his brother's name on any number of these types of phone services.

That makes sense, since a lot of cell phone providers won't give you a contract if you have a terrible credit history. Nick wouldn't have any credit history at all other than a fraudulent one.

 

[introman]

Don't forget that momma is an enabler too. Just speculation, but it could of been a scheme by his Momma to help her other son out. I mean the dude(Nick) will never have a chance to use all the money and it would be impossible for any debt collector to collect anything from him. You won't win a civil case out of a dude who is functionally a Golden Labrador in human form. Plus, I've heard on these streets that his momma is pretty broke as well and doesn't have that green.

 

[Sailor_Jupiter]

Don't forget that momma is an enabler too. Just speculation, but it could of been a scheme by his Momma to help her other son out. I mean the dude(Nick) will never have a chance to use all the money and it would be impossible for any debt collector to collect anything from him. You won't win a civil case out of a dude who is functionally a Golden Labrador in human form. Plus, I've heard on these streets that his momma is pretty broke as well and doesn't have that green.

What exactly is wrong with his brother, and how do we know it? I don't know where to look for the info...

 

[Southern Belle]

one thing to keep in mind when you speculate about "is the caregiver of nick in on it" is that whomever his legal guardian is, the burden of the debt is on them as nick's legal guardian, as it also gives them power of attorney over nick's affairs. doesn't make sense to willingly be part of a scam like this.

 

[Smutley]

and for general information - Phil likes using Metro PCS as his prepaid phone service (info gleaned from past fb posts about him bitching that he needed money to pay his metropcs phone bill). I know from personal experience that you don't have to use your real name to get a phone through them. It's entirely possible, with as paranoid as phil is, he may have used his brother's name on any number of these types of phone services.

Phil only switched to Metro PCS after he defaulted on his $400+ Verizon bill. It's only been within the last 12 months that he moved to prepaid plans. Before that, he had the best plan and most minutes and all the data he could use. Once that shut off we got the first big Phil lull since he got his subforum.

None of this means he didn't get a substantial back payment - the way the system works guarantees that by the time people are approved they're owed a fair bit of money. It may mean he had access to undisclosed resources, though.

I'm almost 100% positive he got a big lump sum back payment. He hired an actual attorney to get him his disability after it had failed a few times, and that was his payout from when he had started the process to approval.

 

[Hyperion]

Phil not only stole that money but he plays with his little pecker while thinking about it because he's a disgusting human being

SO WHAT ARE WE GONNA DO ABOUT IT?!

Nothing! are you kidding the money is all gone and Phil lives with a savagely obese grifter who aggressively cucks Phil because his tiny dick isn't enough to give him the #analrips he craves. Just let Phil lie in his own bed, that stupid fuck made it after all.

 

[BlueArmedDevil]

doesn't make sense to willingly be part of a scam like this.

He is in some long term medical care facility that has PoA over him, however that doesn't protect him from identify theft. Why do you think elderly people get scammed all the time.

Edit: to clarify, I'm not saying his home was in on it. Just pointing out that even with PoA they would have no way of protecting him from Phil stealing his identity. However given the fact that he is an invilid and possible ward of the state he would have little to no credit history to begin with.

 

[Sailor_Jupiter]

Hmmm... Ironically, if Phil got arrested, he'd finally be separated from the sjw ratking and get the help he so desperately needs. It might actually be GOOD for him!

 

[Southern Belle]

He is in some long term medical care facility that has PoA over him

didn't know that. thanks for the info. even still, it's a pretty huge reach speculating that someone involved in nick's care would coordinate with phil on such a level as speculated thus far.

 

[Quijibo69]

This is too good to be true. I don't think he's this smart.

 

[Lysistrata]

As much as the evidence is purely circumstantial, I think it's too much of a coincidence for this not to be Phil's work. I can easily see someone more intelligent than him (Jordan maybe?) putting this idea in his head.

 

[repentance]

Let's say Phil did get credit cards in his brothers name. In that case, would any debt be dumped on Nick or on the family in general?

No. It would be clear cut case of fraud unless the brother could be proven to have consented to it (which seems extremely unlikely). Financial institutions are supposed to have in place mechanisms for verifying identity and creditworthiness. If those mechanisms fail or they don't stick to their own policies, that's their tough luck.

Where it does potentially come back on the brother is trying to repair any damage caused by identity theft. In theory, it's simple. In practice, it's not always so easy.

 

[nhocgreen]

What's the timeline of Phil's most recent cutting contact with his mother?

I remember him visiting his mother and her bf, posting about how accepting they were about him being trans...and then he suddenly talked shit about her again.

If he really did commit identity theft, could this be that mum found out and cut him out of her life for good?