Found Deceased CO - Shanann Watts (34), Celeste"Cece" (3) and Bella (4), Frederick, 13 Aug 2018 *Arrest* #36

[MerryB]

All I can say is, I talked at great lengths to SW about bankruptcy, and how to rebuild their credit afterwards.

You rebuild credit by showing you’re credit-worthy. One way to do this would be to get credit cards (which would have incredibly high interest rates due to their creditworthiness after a Ch 7) and use them. Of course you’d be expected to make regular monthly payments to establish good credit.

Not sure if that’s what you’re implying.
JMO

 

[Mrspratcher]

I was under the impression the privacy was for expert visitors like psychologists or anyone who could be useful to the defense to help them develop their understanding of CW and his story and thus help them develop a trial strategy?

Isn't that why the visitor list has to go to the judge before it goes to the prosecution, so that the judge can agree which visitors shouldn't be shown to the prosecution?

This is my understanding as well. I agree the prosecution should not have access to his experts (I'm fairly certain Colorado's Rules of Criminal Procedure mirror that of most states, which require disclosure of experts who the defense intends to have testify at trial - in any event, the prosecution will know who the experts are at some point, or another).

Non-experts/agents of the defense should be disclosed to the prosecution upon review by the Court.

 

[NuttMegg]

Financially, a divorce for either would be devastating. He would have his new woman with a good job and no expenses with his financial freedom plan.

He'd have housing expenses, with very little to pay down on another house, as she would have received half of the equity. He'd have household expenses, and he would have been paying child care for the kids. I think she would have been better off as she had a more visible supporting family. Had, ie before he murdered her.

 

[MerryB]

IMO I think they were living on credit, above their means and paycheck to paycheck. I don’t think they were saving.
jmo

CW’s use of a PD & the various GoFundMe’s the family has used to pay for headstones, etc. would lead me to believe you are correct. MOO

 

[NuttMegg]

If one could only turn the clock back. Is he grieving for the family or for his situation? Sad all the way around. For the life of me I can't imagine what was up with him that fateful night. Demonic possession comes to mind

With the help of some member(s) of his family, I think he's moved on to his goal: manslaughter, having tried to stop her from murdering all the kids. With the slight detail that he didn't bother to call professionals to try to keep any of them alive. Details, details. I wonder what the least he could get would be.

 

[MsBetsy]

I think it is still a pretty lengthy process. If they can, banks will work to keep people in the home. As my banker family members tell me, they don't want to own a bunch of houses. There was one not far from me where the family moved out almost four years ago and the bank was just able to put that house back on the market this summer.

I believe back when we originally discussed the Watts bankruptcy, it appeared that they had maintained their mortgage payments in order to keep themselves out of foreclosure. I have assumed those payments remained the priority. Logically, the last thing you want to lose is the largest asset. Jmo.

Right, but that's why I would think If you really want to keep your home you would file chapter 13. Especially if you have so many other expenses. Then you can always file again. It just makes more sense to me. From what I have read, they were worried about being in dept again. Jmo

 

[Mrspratcher]

I agree. I also thought conversations with visitors were recorded. I guess they aren't.

In most states, telephone conversations are recorded/monitored. I remember Casey Anthony's visits were video-recorded. Not sure how things work at the jail where CW is currently incarcerated.

 

[Tippy Lynn]

He'd have housing expenses, with very little to pay down on another house, as she would have received half of the equity. He'd have household expenses, and he would have been paying child care for the kids. I think she would have been better off as she had a more visible supporting family. Had, ie before he murdered her.

If they were in a financial crisis it would reflect on their credit scores. Many decent rentals require a credit check. We’re not sure if they were having financial difficulties or not. Many are speculating due to a prior bankruptcy, unsure of current wages, marital breakdown, upcoming HOA lawsuit and what appears to be frivolous and unwarranted expenses.
jmo

 

[NuttMegg]

The ACA (Affordable Care Act), put into place March 2010, does not allow insurers to deny anyone coverage due to pre-existing conditions. Nor can they charge a higher premium for someone who does.

Because SW was a self-employed contractor/consultant she would have been eligible to enroll in a private health plan, or find coverage through the Health Insurance Market Place. Self-employed people

Federal guidelines would allow the children to remain covered under CW's group health plan through his employer.

I would bet that single parents with children, like she would have been had he not murdered the whole family, will be /are placing healthcare at the top of their concerns with the government.

 

[MsBetsy]

IMO I think they were living on credit, above their means and paycheck to paycheck. I don’t think they were saving.
jmo

That's what it seems like to me too. Eventually they would have needed to downsize. Jmo

 

[NuttMegg]

Seriously?! This couple just filed bankruptcy three years ago! Now, just file again? When does it stop?

Why don't people live within their means?

I don't recall any evidence that they were planning on filing bankruptcy.

 

[NuttMegg]

I would not be surprised if the house was going into foreclosure. JMO

Is there any evidence that they were behind in mortgage payments?

 

[MsBetsy]

You rebuild credit by showing you’re credit-worthy. One way to do this would be to get credit cards (which would have incredibly high interest rates due to their creditworthiness after a Ch 7) and use them. Of course you’d be expected to make regular monthly payments to establish good credit.

Not sure if that’s what you’re implying.
JMO

Right, and you would usually start out with small credit cards, like a gas card opposed to a major credit card. Imo

 

[Mrspratcher]

Why wouldn't she have gotten her own as soon as a divorce was final? He murdered her before she had a chance to try it on her own, with her supportive family. You can't stay with a cheating, inattentive man just because his company provides insurance.

@gitana1 - correct me if I'm wrong, but I believe SW and CW could have come to an agreement as far as insurance coverage goes. It would have been in CW's interest to keep the family on his plan, as a private/non-employer provided plan would have been quite costly. CW/SW would have needed to factor this additional cost when it came to spousal/child support calculations.

 

[NuttMegg]

I think the mortgage only has to be behind by 3 months. Maybe it was getting close and that's why CW was talking so much about selling the house. Maybe he wanted to sell before it went into foreclosure. Jmo

Is there evidence that they were behind even 1 month?

 

[MsBetsy]

I would bet that single parents with children, like she would have been had he not murdered the whole family, will be /are placing healthcare at the top of their concerns with the government.

Right, but the laws would enable her to maintain healthcare for herself and her children.

 

[Thepoet]

With the help of some member(s) of his family, I think he's moved on to his goal: manslaughter, having tried to stop her from murdering all the kids. With the slight detail that he didn't bother to call professionals to try to keep any of them alive. Details, details. I wonder what the least he could get would be.

I believe what he wants/hope's for, and what he will get, are two different things! The prosecution can paint a very vivid picture of a liar, adulterer, and confessed killer who did nothing to help his children, did all he could to obstruct the investigation, and put the bodies of his two precious daughters in dark, viscous oil tanks, not together, but separately. He, himself, has created the image of an evil, heartless, cold-hearted fiend by his lies and his actions, supported by evidence, and I strongly believe that this will be used against him creating an indelible negative impression with the jury! CW has helped create a huge barrier that he and his defense team must try to overcome!

 

[Gardener1850]

What I saw looked similar to the Auger 1, but white. I'll try to find photo. If he had digger, why was grave shallow?

Good question. My thought is that he would still have to move the auger around several times and possibly dig out the part between the holes made with it. Time may have still been against him even if he had power tools to make it faster and cleaner. JMO.

 

[Tippy Lynn]

I would bet that single parents with children, like she would have been had he not murdered the whole family, will be /are placing healthcare at the top of their concerns with the government.

I thought government healthcare eligibility was determined by current income and assets. I don’t think being single with children automatically qualifies as a priority. IMO there are many single parents that have incomes and assets that are above the government guidelines. Without knowing what SW’s current income was or what the guidelines are it’s hard to say one way or another.
jmo

 

[NuttMegg]

We’re not sure if they were having financial difficulties or not.

I will definitely agree with that.