[16-Jan-2020] DarksydePhil is filing for bankruptcy (general thread) - and has officially done so on January 31 2020, meaning a lot of his finances have become public

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What will happen with his case following the 341 meeting?

  • Still gets Chapter 7

    Głosy: 126 18,1%

  • Changed to Chapter 13 and ultimately fails to make his required payments

    Głosy: 218 31,3%

  • Chapter 13 and successfully completed all payments

    Głosy: 19 2,7%

  • Complete dismissal of the bankruptcy

    Głosy: 334 47,9%
  • Łączna liczba głosujących
    697
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TheGoutburglar powiedział(a):
Indeed they will, and if those rates manage to ward Phil off, that'll be the biggest twist ever, because all this time, he has appeared to be terminally stupid and incurably unable to learn.
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I will suggest this for the detractors who feel despondent after Phil "evaded justice"

Do the math on the the minimum monthly payment on $1,000 at the maximum legal interest rate for 8 years. Then multiply it by 7 or 8, because there's a 50/50 chance that Phil is gonna rack up every scummy credit card he can get to the limit. We have observed the spending habits that got him here, after all
 
TurboSwine powiedział(a):
Because I'm bored at work and love chaos, let's stir this autistic shit pot a little more.

How to report bankruptcy fraud:

How to file a complaint about bankruptcy trustee:
www.justice.gov

Frequently Asked Questions (FAQs) – Consumer Information

www.justice.gov www.justice.gov

How to report a bankruptcy attorney:
www.justice.gov

Frequently Asked Questions (FAQs) – Consumer Information

www.justice.gov www.justice.gov
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Trying to fuck with the pigroach IRL is the reason why he continues to be a thing regardless of his lack of intelligence/skills. Compared to most degenerate cows, DSP only harms himself.
 
TurboSwine powiedział(a):
Because I'm bored at work and love chaos, let's stir this autistic shit pot a little more.

How to report bankruptcy fraud:

How to file a complaint about bankruptcy trustee:
www.justice.gov

Frequently Asked Questions (FAQs) – Consumer Information

www.justice.gov www.justice.gov

How to report a bankruptcy attorney:
www.justice.gov

Frequently Asked Questions (FAQs) – Consumer Information

www.justice.gov www.justice.gov
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This won't work. He'll be reported and even if they DO investigate, and some absurd otherworldly event will just get him out of trouble again.

Don't ask me how, I don't know.
 
DNA_JACKED powiedział(a):
Except not scott free. He has been paying the minimums for years. He likely has paid enough in fees and interest to have payed that principal twice over. The lesson here how much he fucking wastes, and if you made his money with your sensibilities you could live like a king. And he still owes for his taxes, any muscle men bought after all this, the WAHkando, and the car. He's still massively broke begging on stream as a children's entertainer, shredding whatever dignity he may have for a few miserly sheckles.
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Not quite. He's broke today. At the end of the month he has 10 to 12k, less mortgage, car note, insurance, utilities that he can easily cover and also suddenly has a magic credit card debt sized pile of money that is equivalent to what many families survive on per month

Freeing up that chunk of money really puts him in a frankly enviable financial position going forward. If he has suddenly learned some restraint, he will live like a king, have a retirement plan, etc
 
instythot powiedział(a):
I will suggest this for the detractors who feel despondent after Phil "evaded justice"

Do the math on the the minimum monthly payment on $1,000 at the maximum legal interest rate for 8 years. Then multiply it by 7 or 8, because there's a 50/50 chance that Phil is gonna rack up every scummy credit card he can get to the limit. We have observed the spending habits that got him here, after all
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For those wondering: typical after bankruptcy cards have a 17-23% interest rate. Assuming he continues his behavior, for every $1000 in credit card debt he carries, he will pay an additional $511 in interest, and said original principal wont be paid off for 6 years at 17%. Not to mention, most of those cards you ALSO have to pay $~30 every year in fees just to use the card, which is no far off from the $40 a month minimum payment. Assuming he keeps the card loaded (he will) he will pay $3840 towards that $1000 limit by year 8.
instythot powiedział(a):
Not quite. He's broke today. At the end of the month he has 10 to 12k, less mortgage, car note, insurance, utilities that he can easily cover and also suddenly has a magic credit card debt sized pile of money that is equivalent to what many families survive on per month

Freeing up that chunk of money really puts him in a frankly enviable financial position going forward. If he has suddenly learned some restraint, he will live like a king, have a retirement plan, etc
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"if you have no debt and $5 in your pocket, you are wealthier then most Americans"
Wiping out the credit card debt and the CONNdo is great, but keep in mind he already wasnt paying on the CONNdo since april and maxed out all his credit anyway. He'll easily whip up that much debt within a year and be right back to where he is now. High income but still poor as dirt.

"if he has suddenly learned some restraint" LMFAO dude. Cmon, this is phil. You REALLY think that, even if hell froze over, he'd learn a damn thing? He'll dig himself into even worse debt, since he cant discharge it for another 7-8 years, banks will throw credit at him and rape him in interest and fees. He'll keep taking out cards, maxing them out, then taking more cards to fuel his hobby, ESPECIALLY if he is in a good mood following the BTFOing of the 'TRACTORS. I predict within a year, he'll rack up over $30-40K of credit debt, plus whatever he has to pay tot he IRS this year. Remember, the new consoles are coming out this year, and someone might "gift" phil a PS5 mysteriously.
 
Welp, I guess optimists ARE r3tards. I think the funniest part about this whole thing for me is that I was certain Phil was finally gonna get the karmic retribution he deserved cause surely the trustee and creditors wouldn't be so stupid as to not notice such an obvious abuse of the bankruptcy process. I guess we all gave them far too much credit.
 
The pandemic and the gorillion people who dislike DSP sperging with proof that the pigroach is a bullshitter prolly annoyed the bankruptcy folk. Starting to think COVID-19 and DSP being an autism black hole is a blessing and a curse.
 
You have to give it up, he went all in and it paid off. If it had gone the other way he would have been thrown to the wolves and lost everything.
 
DNA_JACKED powiedział(a):
Wiping out the credit card debt and the CONNdo is great, but keep in mind he already wasnt paying on the CONNdo since april and maxed out all his credit anyway.
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Exactly, this guy stopped paying the CTKhando sometime in May of last year, and hasn't been paying credit cards for the last three months and he's still been begging for money. His gacha gambling addiction will get the better of him. You know those people who win the lottery and then have to file for bankruptcy in a few years? That's Phil, he's the guy who looks at something that costs $29.99 and justifies it in his head that it's only $20 bucks. For fans of the show Community he's a level 7 susceptible.
 
TurboSwine powiedział(a):
Exactly, this guy stopped paying the CTKhando sometime in May of last year, and hasn't been paying credit cards for the last three months and he's still been begging for money. His gacha gambling addiction will get the better of him. You know those people who win the lottery and then have to file for bankruptcy in a few years? That's Phil, he's the guy who looks at something that costs $29.99 and justifies it in his head that it's only $20 bucks. For fans of the show Community he's a level 7 susceptible.
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Here's a mystery. Surely his credit cards were cancelled after they were maxed out and he stopped paying after the second month. How the fuck did successfully pay for a microtransaction in his few month gap without a valid credit card number?

Or does he have one emergency card that he has kept and not used for just this circumstance?
 
TurboSwine powiedział(a):
Because I'm bored at work and love chaos, let's stir this autistic shit pot a little more.

How to report bankruptcy fraud:

How to file a complaint about bankruptcy trustee:
www.justice.gov

Frequently Asked Questions (FAQs) – Consumer Information

www.justice.gov www.justice.gov

How to report a bankruptcy attorney:
www.justice.gov

Frequently Asked Questions (FAQs) – Consumer Information

www.justice.gov www.justice.gov
Kliknij, aby rozwinąć...
Man this thread is already salt & cope enough, let’s not encourage this aloggy bullshit. We don’t know shit about the process and we do t know that anything untoward went down, just that autists don’t like the outcome.
Tbh the alogs are probably 90% the reason for this decision, let’s not put more fuel to that fire.
 
If there is one lesson to be learned from all of this, it’s one thing:

You can’t poach the roach!
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