The.CT condo was part of the bankruptcy filing. Had it gone through, Phil's debt would have been wiped away, and Citibank would be left with nothing.
Unless Phil shows up at the 10th, Citibank can foreclose. They can sell the condo (and it will sell for less than Phil paid, everywhere you look, you'll see that Phil paid at least double what it is worth). When they do so, they can pursue legal action for the difference. They can sue Phil and force him into a payment plan, or worse.
This whole bankruptcy filing might be Phil's undoing.
Small detail, Phil has to show up in CT, not in WA for the condo.