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Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.

Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
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Directory Topics Posts Last Post
News & General
Everything NON-bankruptcy related.
Topics: 3,322 Posts: 39,970
3,322 39,970
Post & discuss bankruptcy & credit news in this forum
Topics: 1,285 Posts: 9,799
1,285 9,799
Before the Discharge
Bankruptcy discussions that don't fit in existing subcategories
Topics: 12,456 Posts: 93,666
12,456 93,666
Unemployment/underemployment is the leading cause for filing bankruptcy
Topics: 150 Posts: 2,014
150 2,014
Everything related to Chapter 7
Topics: 31,783 Posts: 246,980
31,783 246,980
Everything related to Chapter 13
Topics: 14,125 Posts: 98,322
14,125 98,322
Discuss issues related to property transfers & gifts
Topics: 196 Posts: 1,254
196 1,254
Insurance related discussions
Topics: 131 Posts: 1,343
131 1,343
Everything about exemptions
Topics: 728 Posts: 3,612
Last Post: My Exemptions
728 3,612
My Exemptions
Everything about foreclosures . . . . .
Topics: 3,235 Posts: 22,210
3,235 22,210
Collections, Creditors?! Discuss solutions in this forum.
Topics: 3,343 Posts: 31,685
3,343 31,685
Issues related to repos, tips/tricks etc
Topics: 305 Posts: 2,037
305 2,037
Share you 341 experience, ask questions, be ready for it
Topics: 922 Posts: 6,332
Last Post: 341 Chapter 13?
922 6,332
341 Chapter 13?
Did you get hit by adversary proceedings? Let's share our experience and help each other.
Topics: 190 Posts: 1,956
190 1,956
AP Lending Club questions
Business related discussions, such as liquidation of inventory, account receivables, s-crops etc
Topics: 253 Posts: 1,427
253 1,427
Representing yourself? This is where we discuss the art of pro se filing
Topics: 1,325 Posts: 9,461
1,325 9,461
Trustees Reputation?
Frequently Asked Questions regarding Bankruptcy
Topics: 21 Posts: 73
21 73
Loan still shows on Experian
Post sample letters (not links) and forms which can easily be modified and used by other community members.
Topics: 11 Posts: 94
Last Post: Offical NJ Forms
11 94
Offical NJ Forms
After the Discharge
How to rebuild credit, apply for secured cards, dispute items etc
Topics: 3,504 Posts: 25,451
3,504 25,451
Discussing everything related to auto financing.
Topics: 852 Posts: 6,819
852 6,819
Yes, it is possible to buy a house sooner than you thought
Topics: 1,094 Posts: 8,365
1,094 8,365
Bankruptcy is behind us, now let's discuss issues concerning jobs/employers or starting a biz
Topics: 63 Posts: 603
63 603
IRAs, 401k, 403b, Social Security, Annuities
Topics: 24 Posts: 254
24 254
Here we talk about student loans and related obstacles
Topics: 369 Posts: 2,352
369 2,352
Here we share successful money management tips, budgeting, saving, and other insights for financial success
Topics: 153 Posts: 1,682
153 1,682
How did you make out after your BK? In this forum, please share your story. 1yr, 5yr, 10yrs after BK
Topics: 35 Posts: 141
35 141
Other Legal Forums
News about Divorce / Family Law / Child Support etc
Topics: 3 Posts: 8
Last Post: Ex's......
3 8
Topics: 13 Posts: 66
13 66
Topics: 3 Posts: 40
3 40
Unmarried Fathers rights
Topics: 4 Posts: 68
4 68
Topics: 5 Posts: 35
5 35
Topics: 50 Posts: 294
50 294
Topics: 24 Posts: 147
Last Post: Sued for HOA fees
24 147
Sued for HOA fees
Other Forums
Feedback and suggestions regarding BKForum forum/site/features
Topics: 51 Posts: 895
51 895
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Staff Category

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Most users ever online was 1,318 at 01:50 AM on 11-20-2015.

Bankruptcy Forum Chapter 7 13 341 Meeting Credit Collections Statistics


Topics: 83,232   Posts: 628,732   Members: 42,365   Active Members: 142
Welcome to our newest member, qchigh82.

Bankruptcy Forum:


BKForum.com is a great source of Bankruptcy information provided and shared by a knowledgeable and helpful community. Our site provides information about bankruptcy law, credit, foreclosures and other financial topics. This information is designed to help users safely cope with their own legal needs.

Legal information is not the same as legal advice.

We recommend you consult a lawyer if you want professional assurance that information given to you by other forum members, and your interpretation of it, is appropriate to your particular situation. Everything is strictly informational.

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    New Tax Bill & Existing Chapter 13
    Good evening,

    I am 1 year in on a 5 year plan. Keeping my head down and paying on. It appears as though a new tax bill will get approved. If it lowers my yearly tax bill by $500-$1000, will they rework my payment plan? Will they be reworking everyone in chapter 13's payment plan based upon...
    Yesterday, 09:51 PM
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    Tomorrow is my case’s objection to discharge deadline, and today a bank which lended me a business loan filed an AP claiming my substance abuse history, which was not voluntarily disclosed at the time I applied for the loan, constitutes fraud.

    A few weeks back, I filed a motion to avoid...
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