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  1. Embed this notice
    ?? Humpleupagus ?? (humpleupagus@eveningzoo.club)'s status on Thursday, 14-Sep-2023 10:08:08 JST ?? Humpleupagus ?? ?? Humpleupagus ??
    • CrimeaRiver
    People will just stop paying as the economy collapses. In the US, a borrower can cram down the amount owed to current value in Chapter 13 bankruptcy. The banks are fucked.
    In conversation Thursday, 14-Sep-2023 10:08:08 JST from eveningzoo.club permalink
    • Embed this notice
      penguin (penguin@eveningzoo.club)'s status on Thursday, 14-Sep-2023 10:24:17 JST penguin penguin
      in reply to
      • CrimeaRiver
      tl;dr everyone take out massive loans you have no intention of paying back 😃
      In conversation Thursday, 14-Sep-2023 10:24:17 JST permalink
    • Embed this notice
      ?? Humpleupagus ?? (humpleupagus@eveningzoo.club)'s status on Thursday, 14-Sep-2023 10:27:00 JST ?? Humpleupagus ?? ?? Humpleupagus ??
      in reply to
      • penguin
      • CrimeaRiver
      Let's do it. Party at my house. 🥳
      In conversation Thursday, 14-Sep-2023 10:27:00 JST permalink
    • Embed this notice
      penguin (penguin@eveningzoo.club)'s status on Thursday, 14-Sep-2023 10:27:21 JST penguin penguin
      in reply to
      • CrimeaRiver
      there's gonna be so much coke 😏
      In conversation Thursday, 14-Sep-2023 10:27:21 JST permalink
    • Embed this notice
      ?? Humpleupagus ?? (humpleupagus@eveningzoo.club)'s status on Thursday, 14-Sep-2023 17:29:30 JST ?? Humpleupagus ?? ?? Humpleupagus ??
      in reply to
      • CrimeaRiver
      • PhillyV
      No. Chapter 13 is a repayment plan. The debtor remains in possession. Collection activity is prohibited except through the bk court, so they can't foreclose. The debtor still has to perform the plan and make payments, but the debt owed on an underwater property is reduced to fair market value with the difference typically discharge as unsecured debt either completely or for pennies on the dollar.

      Chapter 7 is a different story. The lender will often move to lift the stay to the extent necessary to exercise their security rights, i.e. foreclose the property.
      In conversation Thursday, 14-Sep-2023 17:29:30 JST permalink
    • Embed this notice
      phillyv@noagendasocial.com's status on Thursday, 14-Sep-2023 17:29:31 JST PhillyV PhillyV
      in reply to
      • CrimeaRiver

      @Humpleupagus @CrimeaRiver if you declare bankruptcy they will repossess the property.

      In conversation Thursday, 14-Sep-2023 17:29:31 JST permalink
    • Embed this notice
      phillyv@noagendasocial.com's status on Thursday, 14-Sep-2023 17:36:58 JST PhillyV PhillyV
      in reply to
      • CrimeaRiver

      @Humpleupagus @CrimeaRiver ahh, I see. Thanks for explaining

      In conversation Thursday, 14-Sep-2023 17:36:58 JST permalink
      ?? Humpleupagus ?? likes this.

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