- Registrado
- 17 de Ene, 2017
About $1500-2500 per year.
DSP's Loan & Savings Company
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- Registrado
- 19 de Ene, 2018
I did not realize so many states had passed laws requiring state sales taxes to be collected for online purchases, and Washington was the 3rd state to pass such a law on January 1st, 2018 requiring businesses that do over $100,000 in sales to collect and pay the state's 6.5% sales tax rate on the online purchases of their residents, and Renton has an additional 3.5% sales tax.
It's a 10% sales tax rate he's crying about, in a location he chooses to live in. So a $60 game will cost him an extra $6
Washington may not have an income tax, but the combined state and local municipality sales tax rate in Renton and Seattle is 10% and 10.1% respectively, so add that onto his cost of living.
It's a 10% sales tax rate he's crying about, in a location he chooses to live in. So a $60 game will cost him an extra $6
Washington may not have an income tax, but the combined state and local municipality sales tax rate in Renton and Seattle is 10% and 10.1% respectively, so add that onto his cost of living.
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Sphadilcastro
kiwifarms.net
- Registrado
- 6 de Dic, 2018
When he says he wants people to donate the cost of the game plus tax hes not just referring to sales tax. He want that plus enough money to offset the federal and state income tax on the $60. He also wants them to ignore the fact that the purchase will be written off.
- Registrado
- 11 de Feb, 2019
So, today at some point he mentioned not having to pay for the khando much longer and said something about behind the scenes. Is this fuckwit going through with Operation FuckTheBank and going to just let it forclose or is there some other Pigroachian gambit about to go down?
- Registrado
- 4 de Dic, 2018
Hard to say, since pinning down what the path of least resistance is could be difficult. Is it easier to just stop paying, let the bank foreclose and deal with the fallout then, or to just keep making the same minimum payments he's been making for the last four years?
Whatever the case, one thing is certain: when at the top of the hill called Life, Phil would prefer simply to be rolled down in any given direction. Just so long as he doesn't need to put any effort in himself. He is happy to be an object at rest, and any outside forces which may be planning to act on him will just have to get in line. Man's got video games to play.
JamFlowMan
kiwifarms.net
- Registrado
- 3 de Abr, 2017
Dealing with the bank later is future Phil's problem. Current Phil just wants an extra $1,500 a month to splurge on whatever the fuck he spends his money on. Your talk of hills and rolling made me realize Phil is the boulder and Sisyphus is everyone Phil expects to get him to the top of the hill.
- Registrado
- 19 de Ene, 2018
@marlintan @SoapQueen1
This sounds an awful lot like he's trying to set up a short sale or do a voluntary foreclosure. Seeing as the short sale was rejected not all that long ago, that seems unlikely. So let's assume a foreclosure or surrender of some kind to the bank, which would square with tanking his credit (I assume). What repercussions would that have on the rest of his outstanding debt, if any?
slacktauren
kiwifarms.net
- Registrado
- 29 de Dic, 2017
"Look at the extravagant clothes?!"
What? Like the sonic T-shirt and beanie? or the Kohls Mario shirt? what extravagant clothes does he own?
- Registrado
- 19 de Ene, 2018
He doesn't. He's trying to pretend that because he wears t-shirts and pajama pants on stream he can't possibly be pissing money away elsewhere, despite the fact that he has like 6 or 7 monthly services he could probably drop.
- Registrado
- 4 de Dic, 2018
Which in and of itself is funny because so many of the shirts he wears is branded, licensed merch. True, it ain't Rocawear but I'd argue you ain't hurting until your shirts come folded in a plastic-wrapped four-pack.
- Registrado
- 29 de Sep, 2018
If he is going through with operation "I'm not fucking paying you," then people are missing an important question. If he has been neglecting paying for the CT Condo, he should have that money freed up to go to things like bills and shit. If this is true, this requires taking Phil at his word as he's said, and yes he's a liar, but let's just assume it is. That means despite having at least and extra $2000 a month freed up from not paying his mortgage, he woke up to overdraft fees. If this is true as he says; he's in over his head more than we think.
- Registrado
- 22 de Dic, 2017
You're totally right. In addition to no longer paying for the other condo, he got some $$$$ from his mom and is still in overdraft.
He may need to accelerate that "10 years until I get a real job" plan.
- Registrado
- 19 de Ene, 2018
I think he's still paying on it, at least for now. The big question is how he's trying to unload it. Unless he's pulling the fastest move of all time, he hasn't saved up the tens of thousands needed to make a short sale happen, so I have to believe it's something else. I wonder if it's something like this: https://homeguides.sfgate.com/voluntary-surrendering-vs-foreclosure-79834.html
Looks like it would fuck a refinance on the WAKhando though: "Both events remain on your credit report for seven years. Mortgage lenders require the same waiting period, or seasoning, after a deed-in-lieu and foreclosure before approving you for a new loan. You must typically wait three to seven years, depending on the type of loan you apply for. "
((CH3)2Hg)
kiwifarms.net
- Registrado
- 15 de Jul, 2018
I found some information on how Phil's credit may be affected by some of the options he has to get out of his CT mortgage.
What I think he really needs to worry about is what his other creditors will do in response to this. No matter which option he chooses, short sale or foreclosure the drop in credit worthiness and reporting of a deed in lieu of foreclosure or a full blown foreclosure will likely trigger a bunch of rate hikes on all his cards through universal default. For those unfamiliar with the concept virtually all credit cards in the US have a clause in their terms that allows them raise their rates based off of any missed payment, default, loss of credit worthiness, and so on with them or with any other line of credit that you have open with any other lender. In effect, they will all find out Phil's floundering and jack his rates through the roof, I wouldn't be surprised if his average rates went to around 30%. This could increase his monthly minimum payments by as much as double, particularly on the new cards which might just revoke their introductory rates entirely, though that would depend on their particular terms. I assume that he'll likely still have money left over though, $1500 a month is a lot, but I think he may find that this move will not be as beneficial as he thought.
Edit: grammar.
How Is a Short Sale Seller's Credit Affected?
Fair Isaac released a report that says credit scores are affected about the same, whether a seller does a short sale or foreclosure. Fair Isaac says the average points lost on a FICO score are as follows:
Fair Isaac released a report that says credit scores are affected about the same, whether a seller does a short sale or foreclosure. Fair Isaac says the average points lost on a FICO score are as follows:
- 30 days late: 40 to 110 points
- 90 days late: 70 to 135 points
- Foreclosure, short sale or deed-in-lieu: 85 to 160
- Bankruptcy: 130 to 240
- Foreclosure or Deed-in-Lieu of Foreclosure: Both of these solutions affect credit the same, says David Steep of Vitek Mortgage. Sellers will take a hit of 200 to 300 points, depending on the overall condition of credit. This means if a seller's FICO score before the foreclosure was 680, it could dip as low as 380.
- Short Sale: Steep maintains that the effect of a short sale (providing the sellers are more than 59 days late) on a seller's credit report is identical to that of a foreclosure. The ding on credit will show up as a pre-foreclosure in redemption status, Steep says, which will result in a loss of 200 to 300 points. This means a short sale seller with a previous FICO of 720 could see it fall from 520 to 420.
What I think he really needs to worry about is what his other creditors will do in response to this. No matter which option he chooses, short sale or foreclosure the drop in credit worthiness and reporting of a deed in lieu of foreclosure or a full blown foreclosure will likely trigger a bunch of rate hikes on all his cards through universal default. For those unfamiliar with the concept virtually all credit cards in the US have a clause in their terms that allows them raise their rates based off of any missed payment, default, loss of credit worthiness, and so on with them or with any other line of credit that you have open with any other lender. In effect, they will all find out Phil's floundering and jack his rates through the roof, I wouldn't be surprised if his average rates went to around 30%. This could increase his monthly minimum payments by as much as double, particularly on the new cards which might just revoke their introductory rates entirely, though that would depend on their particular terms. I assume that he'll likely still have money left over though, $1500 a month is a lot, but I think he may find that this move will not be as beneficial as he thought.
Edit: grammar.
This comment matters
kiwifarms.net
- Registrado
- 29 de Mar, 2018
If that's the case, this is my new favorite outcome. It would be hilarious if Dave wound up with a net zero benefit on his month to month bills, minus a $60,000 asset and a shit canned credit score. Phil really is his own worst enemy.
- Registrado
- 27 de Feb, 2019
"You have already grasped that Sisyphus is the absurd hero. He is, as much through his passions as through his torture. His scorn of the gods, his hatred of death, and his passion for life won him that unspeakable penalty in which the whole being is exerted toward accomplishing nothing."
Camus was so prophetic, probably why he talked about suicide so much.
He's kind of stuck between a rock and a hard place with this huh? He wants to re-finance and dump the CT condo by any means possible but can't have both?
- Registrado
- 19 de Ene, 2018
So his current 'issue in the background' of his 'current financial situation' begging tactic is just that. . .he's trying to convince the bank that he is in a dire financial situation so that they will approve a short-sale or a voluntary foreclosure? And since there is no reason the bank would go for this instead of just replying, 'No, fuck you! Pay us. If you don't we will sue you, and you will still have to pay us,' his 'behind the scenes stress' is just that he's decided he wants to dump the ConnDough, without the means to do so because he is like $50K underwater on it, and isn't being allowed to. . .again. . .
So his new begging tactic about his 'current financial situation' that 'U guize don't wanna hear, just gib me munny OKAAAY?'. . .is the regular one of paying his monthly bills with a $7.5K to $10K income?
If he actually goes through with his """plan""" for dumping the ConnDough will it trigger the lender of his Wakahndo home loan to require Mortgage Insurance payments? PMI on his Wakahndo loan could potentially cost him like $250 to $500 a month
So his new begging tactic about his 'current financial situation' that 'U guize don't wanna hear, just gib me munny OKAAAY?'. . .is the regular one of paying his monthly bills with a $7.5K to $10K income?
If he actually goes through with his """plan""" for dumping the ConnDough will it trigger the lender of his Wakahndo home loan to require Mortgage Insurance payments? PMI on his Wakahndo loan could potentially cost him like $250 to $500 a month
PMI: What Private Mortgage Insurance Is And How To Avoid It | Bankrate
Find out why lenders impose this extra mortgage cost, and what to do about it.
www.bankrate.com
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marlintan
kiwifarms.net
- Registrado
- 1 de Mar, 2019
My take-away is that he is saying he is doing things behind the scenes to "not own two homes for much longer", and it will be at a significant harm to his currently over-extended credit.
If it were a short-sale where DSP would come up with the difference of the sale price and the outstanding loan amount, then this would not impact his credit in a negative way, as its loan paid, and the bank will have gotten what it is owed.
The likely scenario is that he has already stopped paying on the Condo, the 90 day waiting period is closing and he plans to forfeit / abandon the condo and allow the foreclosure process to begin... also lines up nicely with his 10 year plan of "just keep streaming", as once the debt is sold for the last time, its only on your credit for 7 years.
This is simpler than declaring bankruptcy or any refinancing, as he has to literally less work than before, and it will be accomplished, with the bank doing all the leg work. Just stop mailing (he probably uses an EFT) the check.
- Registrado
- 17 de Ene, 2017
Even if he is engaging in a voluntarily foreclosure he still owes them like half his yearly wage. They can and should attempt to collect on that. The first step in that process is an investigation where they'll identify his income and assets to decide whether or not they're likely to be able to collect a judgement. They will determine that it is worth it because most of his income goes to other creditors. If he's bailing on them he's probably bailing on those other creditors. The first creditor to get a garnishment order is likely the only one to get one. It's a time-sensitive matter. Whoever sues DSP first wins.
- Registrado
- 19 de Ene, 2018
Phil's mentioned filling out "paperwork", so I'm curious what that would entail, unless it's a separate thing he's trying to do. But I think the paperwork and CT condo were intertwined.
Is the "They" in the 2nd sentence the bank or another creditor? And what, in your opinion, is the result of Phil being sued if that's what happens with regard to his other debts and whatnot? Does it just steamroll him toward bankruptcy?