Money FB 8/31 - Who wants to pay our mortgage?!

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Naxxramaskid dijo:
my favorite scenario would be chris drawing inspiration from the movie heat and robbing a bank.
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Chris robbing a bank would probably go a bit like this:
He awkwardly pushes the doors open, not remembering to cover his face until after he's inside. Then he yells something to the effect of "ya'll need da gimme all your monies, put in this bag here" as he holds out a dirty pillowcase. He then will fumble around with the Transformers pistol (that has been spray painted black to look more realistic) trying to look intimidating. He will then be promptly tackled by several Jerkops who will pin him to the ground and proceed to record his autistic screams for their amusement. Afterwards, he will be thrown in prison where they will play a literal game of 'kick the autistic' for the next 20-25 years.
 
xenomorph dijo:
At the end of the day Chris will not be in any sort of position to live on his own. He is one more assault away from being put in some sort of group home facility. That house will never get paid off, once Barb dies I dont give Chris very long before he does something stupid to get in trouble once again.
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They're not going to put him in a group home. Unless you mean a prison, which is possible.

repentance dijo:
In theory you're supposed to be able to demonstrate capacity to pay even with secured loans like mortgages.
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This is true, but in reality, you can always find some scumbag who is rubbing their hands together in glee at the chance to sign up someone for a mortgage they'll never pay, cashing the checks that do get paid, then foreclosing on the dumb motherfucker.
 
I'm sure you'll have no problem finding a kind benefactor with 115 grand to spare to bail out an autist and the hoard mother in this day and age Chris...
 
CdubyahC dijo:
Does Chris really mean to tell us that after living in that house for over 30 years, they still owe 115k on it? Or did they refinance at some point? Or did the fire create a new mortgage somehow? Very confusing.
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I think people are trying to find out if it is some state of foreclosure, when I looked up the house it was estimated at 185k, there is no way they only paid that little in that length of time. We are positive they refinanced and took out multiple mortgages.
 
Harakudoshi dijo:
Chris robbing a bank would probably go a bit like this:
He awkwardly pushes the doors open, not remembering to cover his face until after he's inside. Then he yells something to the effect of "ya'll need da gimme all your monies, put in this bag here" as he holds out a dirty pillowcase. He then will fumble around with the Transformers pistol (that has been spray painted black to look more realistic) trying to look intimidating. He will then be promptly tackled by several Jerkops who will pin him to the ground and proceed to record his autistic screams for their amusement. Afterwards, he will be thrown in prison where they will play a literal game of 'kick the autistic' for the next 20-25 years.
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chris confirmed payday 2 DLC
 
CdubyahC dijo:
Does Chris really mean to tell us that after living in that house for over 30 years, they still owe 115k on it? Or did they refinance at some point? Or did the fire create a new mortgage somehow? Very confusing.
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I'm almost certain they refinanced it after the housefire. In order to fix that house they need a decent amount of money to do it. At that point they certainly don't have any money since they blew everything Bob have left them on lawyerfees. Barb and Chris certainly don't have personal savings either due to their spendinghabits. The only logical explaination would be a mortgage on the house.
 
Refinancing combined with repairs to the house after the fire that pretty much gave them a new home would explain it. I'm almost glad Bob died before all this shit went down. Of all the Chandlers, that old bastard was the least despicable. I don't see how anyone, not even Marvin, can deny the Chandlers are in a financial state of crisis right now.
 
So did they bear the brunt of the repairs because Chris caused the fire and the extreme hoarding that was in the house? Or did they not have fire insurance?
 
xenomorph dijo:
I think people are trying to find out if it is some state of foreclosure, when I looked up the house it was estimated at 185k, there is no way they only paid that little in that length of time. We are positive they refinanced and took out multiple mortgages.
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So hard to believe their hoard-bag dump of a house can be worth $185K. Is the Charlottesville, Virginia area considered a prime area with amentities, to have a higher cost of living?
Where I live, $185K can buy a really decent family home, but the climate is cold and there are no major cities nearby.
 
xenomorph dijo:
So did they bear the brunt of the repairs because Chris caused the fire and the extreme hoarding that was in the house? Or did they not have fire insurance?
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That remains a mystery. However this is Barb what we are talking about. She might be as irresponsible of not getting any fire insurance at all. Or the insurance company didn't cover it due to unacceptable cause/circumstances of the fire.

EDIT:

AnOminous dijo:
It was insured, wasn't it? That would have paid for the rental, too.
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I don't know the insurance companies' policies but at my place they do check if the insured party has taken measurements to minimize the amount of damage done or if they have done something unacceptable which lead to the housefire.

In the Chandler's case, based on those policies, a house filled with stuff is something which adds more to the damage being done. Also the fact that some idiot plugs a coffeemachine at a unconventional place of the house, where there's so much moist, only increases the possibility of a fire. I'm pretty certain the insurance company have sent a professional to check these things out.

Most likely the Chandlers aren't applicable for insurance money given the reasons mentioned above.
 
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Suicidal Emo Panda dijo:
That remains a mystery. However this is Barb what we are talking about. She might be as irresponsible of not getting any fire insurance at all. Or the insurance company didn't cover it due to unacceptable cause/circumstances of the fire.
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They don't let you mortgage your house or get secured credit on it unless it's insured.
 
Between the fire, the hoard, the fact that Ruckersville is in the middle of nowhere, the dirt, the overgrowth, the complete lack of maintenance, is the house even worth $115,000?

I did a quick search for house prices in Ruckersville and it's under $200,000 for most houses of that type that are new builds and look to be in good state. That, combined with the fact that a repossession and subsequent forced sale (at auction or otherwise) usually gets below the price you'd get on an open market sale, I would not be surprised if Barb is in negative equity.
 
Ginger Piglet dijo:
Between the fire, the hoard, the fact that Ruckersville is in the middle of nowhere, the dirt, the overgrowth, the complete lack of maintenance, is the house even worth $115,000?

I did a quick search for house prices in Ruckersville and it's under $200,000 for most houses of that type that are new builds and look to be in good state. That, combined with the fact that a repossession and subsequent forced sale (at auction or otherwise) usually gets below the price you'd get on an open market sale, I would not be surprised if Barb is in negative equity.
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It's looks kind of large, it's 2 stories, looks to be on a decent sized property at least. The 183,000 is the market price for similar houses in the area based on those statistics: 2-story, xxx square foot, etc. When it comes to appraising the house, depending on how bad it's gotten since it was repaired after the fire, it will surely drop much lower than that.

We know these aren't clean living people. they're both mentally ill, hoarders. So let's say they appraisal says the house/property in its current condition is 115,000, that doesn't mean you are going to get that from its sale. It goes up on the market and can literally stay there for years. This isn't NYC or San Francisco, it's a country ass town in Virginia. When Barb dies and its on the market, whoever is handling Chris during this will inevitably convince him to lower the price in order to sell it, as once people see the property in its further dilapidated state (as we know will be the case, especially a few years down the line when this will occur) they will offer what they think its worth, knowing the amount of money they will have to spend just to make the house halfway livable again.

Idk, with all the debt, and the loans Barb took out against the house, the bank will probably end up owning the property when she dies. I just can't see them straightening any of this out in any capacity.




AnOminous dijo:
I seriously doubt it. Maybe somewhere other than Ruckersville.
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Yeah, if they were somewhere other than Ruckersville, they could likely get that much based on the size of the property alone. Unfortunately for them, they ARE in Ruckersville.
 
Greene County resident here. The cost of living is steadily rising in the area due to people wanting to move away from the city. Chris doesn't actually live in the middle of nowhere since he's such a short distance from Cville and just about right off the main highway (though I guess that's probably a matter of opinion). If the house isn't trashed beyond repair and if they cleaned up the yard the house could probably sell for around $200,000. The neighborhood isn't awful and honestly it's probably the Chandler's outside hoard that is bringing the value down of surrounding properties.
 
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