Money Chandlers sued for debt megathread

How does he keep getting in debt like this? I don't understand
He buys an absolutely ridiculous amount of toys and videogames for somebody in his financial situation, and his financial situation is zero income other than the tugboat. As far as we know Praetor didn't even really pay him, they just treat him to Burger King every month or something.
 
How does he keep getting in debt like this? I don't understand
Autism + narc behavior + little or no discipline/lousy parents = Chris' money management 'skills'.

Keep in mind, this guy sells his literal trash, only to still be in the red because of his impulsive buying. And at one time, Chris admitted to it, and yet hasn't done anything to correct it.
 
He buys an absolutely ridiculous amount of toys and videogames for somebody in his financial situation, and his financial situation is zero income other than the tugboat. As far as we know Praetor didn't even really pay him, they just treat him to Burger King every month or something.
Bob would be proud of the Burger King part.
 
Best of luck to them
and to the staff who'll no doubt have to constantly remind chris this isn't the incest hearing and to not mention that case at all.

Though thankfully this means if Chris is dragged into court for this then once he's back in jail they'll give us a new mugshot to finally confirm the rumors he's lost most of his hair, its gone white, and if he's growing that Jesus beard now.
 
He buys an absolutely ridiculous amount of toys and videogames for somebody in his financial situation
I think what's interesting about that is Chris has seen other youtubers when they make videos and you can see a bunch of collectible stuff behind them. That's one of Chris' reasonings, but he's been buying stuff like crazy way before that. I figure he fancies himself like one of those 'content creators', but the thing is (at least some of them) are competent with their money, and make the effort to provide content on a timely basis. Something that Chris has never understood. It took a long time until Null finally got Chris to take commissions seriously for the GoFundMe to Everfree, until Chris, as usual, fucked it for himself.

Chris being Chris, knew he was going to get the money. But at the same time, wanted to indulge himself by incest and thinking "What could go wrong?" It's another example of Chris wanting his cake and eating it too.

Moral of the story, never give money to Chris.
 
I think what's interesting about that is Chris has seen other youtubers when they make videos and you can see a bunch of collectible stuff behind them. That's one of Chris' reasonings, but he's been buying stuff like crazy way before that. I figure he fancies himself like one of those 'content creators', but the thing is (at least some of them) are competent with their money, and make the effort to provide content on a timely basis. Something that Chris has never understood. It took a long time until Null finally got Chris to take commissions seriously for the GoFundMe to Everfree, until Chris, as usual, fucked it for himself.

Chris being Chris, knew he was going to get the money. But at the same time, wanted to indulge himself by incest and thinking "What could go wrong?" It's another example of Chris wanting his cake and eating it too.

Moral of the story, never give money to Chris.
You're right about the Youtubers and their geek merchandise behind them; you also reminded me of a recent video by PewdiePie and him showcasing his minimalism by contrast, even when YouTube isn't a priority for him now.
In addition to the "having the cake and eat it too mentality", it's prevalent that he has the GIMME NOW NOW NOW NOW NOW to go with his impulsive and perpetual child-like mentality. To circle back on my earlier point with minimalism, studies show that giving/removing the clutter leads to happiness. And cleaning your room also is a coping mechanism and relaxes you
 
The thing that makes me wonder is why banks even loaned the chandlers? They have a history of not paying debt but the banks still give them money.
Uh do you have any idea of how 2008 happened? Also their debt problem is recent, Bob never allowed that shit, they're only in this mess because they blew Bob's inheritance on a lawyer for the Snyder incident.
 
Bob never allowed that shit, they're only in this mess because they blew Bob's inheritance on a lawyer for the Snyder incident.
Once Bob died, Chris and Barb went full ham on that inheritance. I guess Chris forgot how Bob saved his ass by monitoring and paying off Chris' credit cards.
studies show that giving/removing the clutter leads to happiness. And cleaning your room also is a coping mechanism and relaxes you
And yet for some reason, this evaded Chris. For Chris this could be dangerous, as for some of the videos he's made pre incest, he looks stressed (see Catherine break up and idea guys). Another example is when GamerFromMars and Copitz came to visit Chris, and Chris started getting irritated/annoyed that he couldn't find a game controller in his own mess. Unfortunately, according to him, he got used to the hoard, and it would explain why he had to buy things when he was forced to stay at a motel. I wonder if that's how his cell looks. If this keeps happening and it would lead to stress, on top of Chris' overall unhealthy state, he could possibly die of a heart attack, or develop heart related issues similar to that of Bob.
 
Once Bob died, Chris and Barb went full ham on that inheritance. I guess Chris forgot how Bob saved his ass by monitoring and paying off Chris' credit cards.

And yet for some reason, this evaded Chris. For Chris this could be dangerous, as for some of the videos he's made pre incest, he looks stressed (see Catherine break up and idea guys). Another example is when GamerFromMars and Copitz came to visit Chris, and Chris started getting irritated/annoyed that he couldn't find a game controller in his own mess. Unfortunately, according to him, he got used to the hoard, and it would explain why he had to buy things when he was forced to stay at a motel. I wonder if that's how his cell looks. If this keeps happening and it would lead to stress, on top of Chris' overall unhealthy state, he could possibly die of a heart attack, or develop heart related issues similar to that of Bob.
Even with Bob's longetivity genes, Chris guaranteed himself a long miserable existence with a huge debt to last lifetimes. No wonder he copes lmao
 
The thing that makes me wonder is why banks even loaned the chandlers? They have a history of not paying debt but the banks still give them money. The banks end up paying more money in legal fees than if they never lended the chandlers to the Chandlers at all
What they pay in legal fees is nothing compared to what they make in interest rates alone. Banks and credit card companies love people who can't pay because they get more from interest fees from delinquent accounts than they could ever make from someone who always pays the amount due in full.
 
I think what's interesting about that is Chris has seen other youtubers when they make videos and you can see a bunch of collectible stuff behind them. That's one of Chris' reasonings, but he's been buying stuff like crazy way before that. I figure he fancies himself like one of those 'content creators', but the thing is (at least some of them) are competent with their money, and make the effort to provide content on a timely basis. Something that Chris has never understood. It took a long time until Null finally got Chris to take commissions seriously for the GoFundMe to Everfree, until Chris, as usual, fucked it for himself.

Chris being Chris, knew he was going to get the money. But at the same time, wanted to indulge himself by incest and thinking "What could go wrong?" It's another example of Chris wanting his cake and eating it too.

Moral of the story, never give money to Chris.
i always saw it as his manchild need of toys , somethimg barb reinforced from childhood
 
Is he going to have to actually attend this hearing in person? Or will he not be allowed because he’s in jail?
No, even if he wasn't in jail he wouldn't be expected to. If you're at the point of garnishment, you've been given multiple warnings it is a possibility you'll get served an order (the letters are always vague it "might happen" because you can't say something is a certainty if it isn't because it's a FDCPA violation). I don't think I've heard of anyone actually attending their own hearing because they've already ignored it for ages. The creditor just needs a bank to sign off on it. The hearing is almost never near the creditor anyway. The fact this one is, is quite surprising. Also, I know he has been hit a lot but never looked at the documentation. It's quite possible a lot are the same debts, someone files, get nowhere, then sell the debt for pennies on the dollar to another agency, some underpaid person with a shit job, does a quick Google, sees Chris is an "internet celebrity" and thinks he has money and the cycle repeats itself.

Chris's next debt hearing is scheduled for 26 April 2023. Will they be allowing observers from the public?

In 2019 SigueSigueSpergnik attended a debt hearing and provided an account of Chris and Barb's behavior there.
If they actually attended a debt hearing, that's massively an outlier. Was there an issue like if they didn't they'd get foreclosed or something? Usually, it's just a judge rubber stamping stuff on deadbeats. Usually, the ones that do show up try to get out of the debt by some dumb technicality like claiming a debt collector called them, had a family member say it was them and provide their ssn, then admit they weren't the debtor. Then the debtor claims they disclosed the debt to an authorized third party. Or say they were harassed by being called at work (which is usually completely legal unless you pick up the call, verify then ask them not to; until you tell them otherwise, you're fair game). But for them to actually show up in good faith is incredibly rare. Also, if anyone is getting hassled by debt collectors, I'm happy to tell them how to get them to screw off or to get settlements for way less than what you owe.
 
Something that Chris has never understood.
He doesn't understand that those people have money to spend on their hobbies, Chris has to take out loans to buy lego.

If they actually attended a debt hearing, that's massively an outlier. Was there an issue like if they didn't they'd get foreclosed or something? Usually, it's just a judge rubber stamping stuff on deadbeats. Usually, the ones that do show up try to get out of the debt by some dumb technicality like claiming a debt collector called them, had a family member say it was them and provide their ssn, then admit they weren't the debtor. Then the debtor claims they disclosed the debt to an authorized third party. Or say they were harassed by being called at work (which is usually completely legal unless you pick up the call, verify then ask them not to; until you tell them otherwise, you're fair game). But for them to actually show up in good faith is incredibly rare.
I think Chris and Barb have shown up for all of their debt hearings.
 
The thing that makes me wonder is why banks even loaned the chandlers? They have a history of not paying debt but the banks still give them money. The banks end up paying more money in legal fees than if they never lended the chandlers to the Chandlers at all
Not really, clowns like this usually pay the minimum for years before defaulting and by then the company's already made more money than they ever loaned. Also they crank these lawsuits out like clockwork. I can't check OCIS right now but I bet they'd have a bunch of cases across the state, and they operate around the country.
 
Garnishment has failed before because tugboat can't be garnished, but now that Chris is pumping out art for Praetor to sell for hundreds of dollars, he DOES have earned income to garnish.

I think life might get a lot more complicated for Praetor. It's easy enough to rob Chris blind when he's in jail, sell a sketch for $250, give Chris 5 and say they totally sent him his fair share. But if Mr. Government gives Praetor an order to redirect funds, they'll find it a lot harder to fool a judge and Debt collectors. Imagine if the order says "We see Chris made 3k in jail art, fork it over" and they've already spent it. What're they gonna do? Say sorry we already stole it?

I predict that if the Praetor jail art starts getting garnished, it won't be worth it to Praetor to sell it anymore
 
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