Debt - Revision history

WarnerBro at 00:00, 26 April 2026

2026-04-26T00:00:54Z

← Older revision		Revision as of 20:00, 25 April 2026
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	[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]		[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]

	'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris eleven times (including four garnishment hearings against Chris), as of [[April 2023]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]].		'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara Chandler\|Barbara]] and [[Christian Weston Chandler\|Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris eleven times (including four garnishment hearings against Chris), as of [[April 2023]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]].

	==Debts==		==Debts==

Eamoo: annual percentage rate (APR)

2025-06-19T21:16:34Z

annual percentage rate (APR)

← Older revision		Revision as of 17:16, 19 June 2025
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	{{quotebox\|Chris "borrowed" three thousand dollars. What he did with it is hazy, sure, but how do you think he bought all those lego sets for Lego Dimensions? }}		{{quotebox\|Chris "borrowed" three thousand dollars. What he did with it is hazy, sure, but how do you think he bought all those lego sets for Lego Dimensions? }}

	A payday loan charges extremely high interest rates (usually ~~at least~~ 400%), which does not bode well for Chris, due to his habit of only paying back minimal amounts at a time.		A payday loan charges extremely high interest rates (usually an annual percentage rate (APR) of 400% or more), which does not bode well for Chris, due to his habit of only paying back minimal amounts at a time.

	==Looking ahead==		==Looking ahead==

Amanitie: Added category

2024-09-27T17:41:50Z

Added category

← Older revision		Revision as of 13:41, 27 September 2024
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	{{Articleofthenow}}		{{Articleofthenow}}
	{{Money}}		{{Money}}

			[[Category:Financhu Crisis]]
	[[Category:Things bought with taxpayer money]]		[[Category:Things bought with taxpayer money]]

Hurtful Truth Level at 16:43, 5 July 2024

2024-07-05T16:43:35Z

← Older revision		Revision as of 12:43, 5 July 2024
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	[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]		[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]

	'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris eleven times (including four garnishment hearings against Chris), as of [[~~October 2022~~]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]].		'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris eleven times (including four garnishment hearings against Chris), as of [[April 2023]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]].

	==Debts==		==Debts==

Hurtful Truth Level at 16:41, 5 July 2024

2024-07-05T16:41:08Z

← Older revision		Revision as of 12:41, 5 July 2024
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	[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]		[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]

	'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris eleven times (including four garnishment hearings against Chris), as of [[October 2022]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court~~]] that consumes the lion's share of Chris's [[monthly tugboat~~]].		'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris eleven times (including four garnishment hearings against Chris), as of [[October 2022]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]].

	==Debts==		==Debts==

Hurtful Truth Level: /* Looking ahead */

2024-07-05T16:40:29Z

Looking ahead

← Older revision		Revision as of 12:40, 5 July 2024
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	{{see also\|Financhu Crisis#Future\|l1=Financhu Crisis, Future section}}		{{see also\|Financhu Crisis#Future\|l1=Financhu Crisis, Future section}}

	At present, Chris is basically immune to the consequences of his own debts. The [[monthly tugboat]] technically cannot be garnished, money from financial [[enablers]] is squirreled away in Paypal or spent too quickly for the court to note, and his debts are unsecured as he does not have collateral in his name ([[~~14 Branchland Court~~]] is in the name of ~~his parents).~~		At present, Chris is basically immune to the consequences of his own debts. The [[monthly tugboat]] technically cannot be garnished, money from financial [[enablers]] is squirreled away in Paypal or spent too quickly for the court to note, and his debts are unsecured as he does not have collateral in his name (the [[Big Island, VA]] house is in the name of [[Caden]]).

	However, the dominoes will begin to fall once Barbara passes away. Without her own tugboat to defray living costs and mortgage payments, it is unlikely Chris will afford the bills to remain at home and must move to an apartment. The damage to Chris's credit rating and background check from so many debt judgements (as well as wannabe [[weens]]) make it highly unlikely prospective employers and landlords will take a chance on him.

	Concerned followers have urged Chris to sign up for Section 8 housing soon since the waiting list may be long, as debt is irrelevant regarding Section 8 applications, though Chris has not bothered to do so, instead pretending that the [[Dimensional Merge]] will bail him out.

	~~=== What about bankruptcy? ===~~

	In the United States, creditors can force Barb or Chris into bankruptcy by filing an involuntary petition against either or both of them.<ref>https://www.vsb.org/site/publications/the-bankruptcy-process</ref> If the creditors manage to force the Chandlers into bankruptcy, Seterus (the collection agency for the [[~~14 Branchland Court~~]] mortgage) may think twice about letting the Chandlers stay (same for any other bankrupt household), increasing the risk of homelessness becoming a reality. The Chandlers would also lose all but the most basic possessions, since the liquidators will try to get as much money as possible, even if it means accepting an offer by a local recycling firm for his hoard of old toys and video games.

	However, an involuntary petition is not easy: {{plain link\|https://www.law.cornell.edu/uscode/text/11/303\|11 US Code § 303}} requires Midland Funding, Portfolio Recovery Associates and Second Round Sub to show that Chris has at least $10,000 in debt, and also ignore all outstanding debts like a {{w\|freemen on the land}} – both of which came into question on 2 September 2020.<ref>[[Other chats leaked by Naught (September 2020)]]: Chris stated that “monthly payments on that [debt] continued and have been made in keeping up with it”, so it is unclear if the current outstanding debt is more than $10,000.</ref> Furthermore, if the debt collectors proceed with the involuntary petition, and the court rules that petition was in "bad faith", they may end up [[Enablers\|realising]] Chris's imaginary wealth in Dimension [[C-197]].<ref>https://www.southerncaliforniabankruptcylawblog.com/2012/01/13/involuntary-bankruptcy-what-is-it-and-why-would-anyone-file-one/</ref> For those reasons, the creditors will likely wait for Seterus to foreclose 14 Branchland Court after two missed payments following the death of [[Barb]] — a much greater threat to Chris's future than an involuntary bankruptcy.

	==See also==		==See also==

Hurtful Truth Level at 15:37, 14 March 2024

2024-03-14T15:37:35Z

← Older revision		Revision as of 11:37, 14 March 2024
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	[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]		[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]

	'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris ~~ten~~ times (including ~~three~~ garnishment hearings against Chris), as of [[October 2022]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]] that consumes the lion's share of Chris's [[monthly tugboat]].		'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris eleven times (including four garnishment hearings against Chris), as of [[October 2022]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]] that consumes the lion's share of Chris's [[monthly tugboat]].

	==Debts==		==Debts==

Hurtful Truth Level: /* Court cases */

2024-03-14T15:36:33Z

Court cases

← Older revision		Revision as of 11:36, 14 March 2024
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	\|-		\|-
	! style="text-align:left" \| Chris		! style="text-align:left" \| Chris
	! style="text-align:left" \| 9 cases		! style="text-align:left" \| 11 cases
	! style="text-align:right" \| $11,606.15		! style="text-align:right" \| $11,606.15
	! style="text-align:right" \| $481.15		! style="text-align:right" \| $481.15
	\|-		\|-
	! style="text-align:left" \| Total		! style="text-align:left" \| Total
	! style="text-align:left" \| {{color\|red\|12 cases}}		! style="text-align:left" \| {{color\|red\|14 cases}}
	! style="text-align:right" \| $32,912.89		! style="text-align:right" \| $32,912.89
	! style="text-align:right" \| $481.15		! style="text-align:right" \| $481.15

Hurtful Truth Level: /* Court cases */

2024-03-14T15:31:23Z

Court cases

← Older revision		Revision as of 11:31, 14 March 2024
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	\|-		\|-
	\| 10 March 2023		\| 10 March 2023
	\|		\| 26 April 2023
	\| Midland Funding		\| Midland Funding
	\| Chris		\| Chris
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	\|		\|
	\|		\|
	\| Hearing scheduled for 26 [[April 2023]].		\| Hearing scheduled for 26 [[April 2023]]. Result: Dismissed No Funds
	\|- class="sortbottom"		\|- class="sortbottom"
	! style="text-align:left" colspan="3" rowspan="3" \| Summary		! style="text-align:left" colspan="3" rowspan="3" \| Summary

NightcoreSwift004 at 16:09, 28 April 2023

2023-04-28T16:09:15Z

← Older revision		Revision as of 12:09, 28 April 2023
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	[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]		[[File:Barb discover bank result.png\|thumb\|200px\|The first of many debt lawsuits against the Chandlers.]]

	'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris ten times (including three garnishment hearings against Chris), as of [[October 2022]]. According to court records, Barbara owes ~~at least~~ $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]] that consumes the lion's share of Chris's [[monthly tugboat]].		'''Debt''' is anything owed by one party to another, such as money owed to a creditor. Due to their mutual [[Chris and work\|laziness]] and [[Tour of Chris's House\|propensities towards hoarding]], [[Barbara]] and [[Chris]] are both heavily in debt. Both have been taken to court for their failure to pay debts on multiple occasions: Barb three and Chris ten times (including three garnishment hearings against Chris), as of [[October 2022]]. According to court records, Barbara owes over $20,000, while Chris owes over $10,000, to say nothing of the $115,000 second mortgage on [[14 Branchland Court]] that consumes the lion's share of Chris's [[monthly tugboat]].

	==Debts==		==Debts==

← Older revision		Revision as of 11:36, 14 March 2024
Line 221:		Line 221:
	\|-		\|-
	! style="text-align:left" \| Chris		! style="text-align:left" \| Chris
	! style="text-align:left" \| 9 cases		! style="text-align:left" \| 11 cases
	! style="text-align:right" \| $11,606.15		! style="text-align:right" \| $11,606.15
	! style="text-align:right" \| $481.15		! style="text-align:right" \| $481.15
	\|-		\|-
	! style="text-align:left" \| Total		! style="text-align:left" \| Total
	! style="text-align:left" \| {{color\|red\|12 cases}}		! style="text-align:left" \| {{color\|red\|14 cases}}
	! style="text-align:right" \| $32,912.89		! style="text-align:right" \| $32,912.89
	! style="text-align:right" \| $481.15		! style="text-align:right" \| $481.15