Technically he's eligible for Chapter 13 bankruptcy at any time, but that's the re-organization type. The one where you actually have to pay back everything albeit in a structured way. Would also mean selling off assets, and if he didn't keep business & personal expenses separate, could mean a lot more of a mess.
Also am pretty sure the IRS had a lien against his property, which is why he wasn't able to get forgiveness on any past-due tax bills. Then again, who knows, since a 2020 bankruptcy filing is unlike any you could get both before and after.
Never underestimate a coward on a power trip.
Having worked retail, I think I know Phil's type. If you are a regular worker and push back on him, he's the type who wants to speak to a manager. If your manager is one who rolls over ('customer is always right' bs), Phil gets his way. If your manager has your back, he turtles and leaves.
There's also the evidence of him turning into the biggest bitch the second Keemstar got on that interview. Couldn't gargle his balls faster if he tried. Next day, Keemstar is this, and that, etc.
I_LOVE_MY_LIFE.mp4
Yuge troll rant from the end of Yasnooza
Next time Phil begs for tips, I hope somebody replies that wealth isn't important. And that they are paying him with the friendship & experiences they share together. It is all about "we" after all.