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No way, shape, or form. - Yeah, that's crazy.
- We love the model and everything
that you put together, and we're gonna get there.
We're just getting there on a different route.
- I can tell you from looking at this situation
that you should not be filing a Chapter 13.
So let's not kid each other, okay?
You don't live in the other house anymore.
- Says who?
- Says me.
I can't put you in front of a federal form
and have you say that you live there, okay?
- So you can't have more than one house?
- You can definitely have more than one house,
but when you file for Chapter 13,
you've got to devote all of your disposable income
towards saving your mortgage, and the issue that I'm having
is bankruptcy-- in particular, a Chapter 13--
isn't designed for you to move out and come here
and add on an additional liability.
That's not what it's meant to do.
- No, what are the options?
Neither one of you have given me an option.
- Hear me out, okay?
I can't tell you your options
until you understand what your problem is.
And your problem is, okay, it's clear to me,
that you don't live in the other house.
- You come back 90 days later and say,
"Because I don't see pictures on the wall,
you don't live here."
- Scot, when we first met 90 days ago,
you knew you needed to be a resident at the other house.
- What are the options?
No, that's what you said.
You said, "It doesn't look like you're living here."
So my thing is, what's your purpose?
What's your purpose?
Because at the end of the day, this is our choice.
We diverted off the road map.
Either you have another option to 13 or you don't.
- No, but that's your problem.
- You have no options.
You have no options. - Well, there we go.
- Look, you made an emotional decision,
not a logical one.
- No, no, that was not emotional.
- But let me tell you why. - Okay, okay, logical.
- Because now you now have an additional $2,200
that you have to come up with
plus all the expenses in this house.
So let's round that thing up and call it $3,000.
So did anybody here get a $3,000 raise?
- No, because we opted to put our family
in a better situation.
Not just emotionally, but also logically,
so they wouldn't be locked out.
- Financially-- - No, no, no.
Because the wolves were there.
That's what you told me.
90 days, wolves are at your door.
So they started howling, and I made a decision.
The option is still there.
It's viable.
You understand what I'm saying?
- Tell me that you don't care about the other house.
It's hard for me to argue that logic.
But to tell me that you want to pay for this one
and the other one?
Bridge that gap.
- That's the investment.
That was the 30-year investment.
- But that's the issue.
It's not a 30-year investment.
It's got to be a home.
Look, you can't have your cake and eat it too, right?
- All right, that's clear.
That's very clear. - Right?
We're ethically, professionally, factually, we're unable--
- I understand that.
- We're unable to file a Chapter 13
and accomplish the same objective.
So for our purposes, okay, we can't represent you.
We have to terminate our representation in this case.
- I appreciate it. - Thank you.
- Thank you, guys. - Thanks, Eric.
- All the best. - Thank you, Eric.
- Victor. - All right.
I wish you the best.
That's all I can hope for, okay?
Good luck. - Appreciate it, man.
- Best of luck. - Thank you.
- Make the hard decisions, okay?
- Take care, Vic. - All right, you too.
- You gonna see him out? - Hell no.
- [laughs]
- I give families a 90-day road map, right?
If they implement my road map, they'll be successful.
When a family chooses to implement their own road map,
well, at this point, we have to part ways.
I wish them the best.
I hope things work out for them.
I'm off to save another family.