Recent commenter wonders why I don't send a record of Patrick's latest antics to Canada's federal Office of the Superintendent of Bankruptcy (OSB), and the answer is ... they don't give the slightest shit about Patrick or what he is up to. Let me explain.
The OSB is the federal agency that handles the top-level infrastructure of bankruptcies across the country, but it does not concern itself with riding herd on individual bankrupts; that job is left to the bankrupt's trustee, through which one files for bankruptcy in the first place.
To file for personal bankruptcy in Canada, you must locate a licensed insolvency trustee, you pay them a registration fee, they get you into bankruptcy and, after that, they are responsible for seeing that you fulfill your obligations under the bankruptcy regime until your discharge. So it's the trustee that supervises a bankrupt, not the OSB in general. And how is it that Patrick has screwed this up so thoroughly?
Almost immediately after filing for bankruptcy in December of 2012, Patrick failed to honour his responsibilities as a bankrupt, to the point where his trustee discharged itself from his file in disgust, leaving Patrick in the very unusual position of being an undischarged bankrupt without a trustee, a true rarity.
And that is where Patrick remains to this day -- personally bankrupt and not even having a trustee to supervise him. And based on a conversation I had a while back with an official from the OSB, they have no interest in pursuing Patrick since, from their perspective, if Patrick wants to remain a bankrupt for the rest of his life, that is entirely his choice and the OSB is fine with leaving him there.
Said OSB official did admit that it is highly unusual for someone to be so monumentally unconcerned about being a bankrupt so as to remain that way for 14 years and for the foreseeable future, but if someone has such a spectacularly vacuous and meaningless life that being bankrupt doesn't really matter that much to them, that is entirely their decision.
And that is where Patrick Ross finds himself today -- 45 years old, does not own a home, does not run his own business, most likely cannot rent his own apartment, and working as a total transient in the oil patch as a "swamper" and, on top of all that, owing me over $125,000 (and climbing), with every indication that he is going to remain that way for years to come.
Patrick used to brag that he was totally the baddest d00d on the Intertoobz and that you did not want to mess with him. What he is today is a homeless, bankrupt, massively indebted, morbidly obese 45-year-old financial fugitive, perpetually wondering when he will make that first mistake that will allow me to seize whatever assets he has. And one more thing.
Based on Patrick's Conditional Discharge Order (CDO) from his bankruptcy hearing, and how little he's paid off from that CDO, for Patrick to get out of bankruptcy, he would have to pay off the outstanding amount, which I estimate to be around $25,000 (plus an approximate $2,000 trustee registration fee). But even if Patrick came up with that and escaped from bankruptcy, that would affect in no way what he owes me since, a few years back, I successfully filed to have Patrick's stay of protection against me lifted. What that means is that what Patrick owes me is not linked to his bankruptcy; rather, it is just a regular debt unaffected by Patrick's bankruptcy status.
In other words, for Patrick to get his life back to normal, he would want to get out of bankruptcy ($27,000) and pay me what he owes me (call it $125,000). That's over $150,000, which is kind of embarrassing for the baddest d00d on the Intertoobz. But this is now Patrick's life, and I don't see it changing any time soon.
1 comment:
As Twatsy's main creditor, are you not entitled to some sort of relief? Can you not arrange to garnish his bank account and/or paycheque in Alberta? Shouldn't Twatsy have to report his After-Acquired Income (both through employment and inheritance)? I understand that the OSB has bigger fish to fry than Twatsy, but it seems awfully unjust that Twatsy isn't really being hurt the consequences of his vile actions, because he's a vacuous person relatively happy with his meaningless life because he's still an internet warrior fighting important fights on Twitter. Take his greaseburgers and Edmonton Oilers jerseys away, and then he truly suffers. Just putting the Twatster through the bureaucratic/surveillance ringer is also something he deserves. It was hilarious when he filled out his personal belongings forms (I believe in Saskatchewan) with humiliated, super-messy handwriting.
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