Announcement

Collapse

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.
See more
See less

Nothing Going Right

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Nothing Going Right

    Well we were hit with an AP a month ago. The allegations were that we
    did not list the foreclosures we had on our original petition and the trustee
    found some property that is still owned by a company I was with but I was
    bought out 8 months prior to filing BK. I produced the notarized doc attesting
    to such. The allegations,imho, are bogus and we answered all of them, but the
    fact our attorney did not list the foreclosures now we're accused of fraud!! Yes
    we signed the petition and I should have seen whether they were listed but I guess,
    no excuse,so overwhelmed we signed.

    Anyway went to see another attorney today who is actually the other
    district trustee. He claims he can't help us as he is retained by another client
    with a very similiar situation. How that stops him from helping us I'm not exactly
    sure. He does feel our attorney has let us down and recommended another really
    good attorney in town.

    I'm just at my wits end. Doubt my marriage will last due to my screw ups in the
    past that led to all of this,etc. I understand if we do not get the discharge then
    that's it, we can't file again ever on these debts.

    Not really sure what I'm asking and maybe just wanting to vent. I'm just done
    with it all. I thought this would be a cut and dry case, but should have known
    something would get screwed up and it did.

  • #2
    I am really sorry to hear this. I don't have any wisdom on this but I know many on the board may. Most of all, I just want you to know you're not alone and hang in there!
    A fresh start is a beautiful thing. And I'm not an attorney, just opinionated!

    Comment


    • #3
      Thanks discombob. I really appreciate the kind words.

      I'm trying my absolute best to keep it all together and stay strong,especially
      for the sake of my family. I'm trying not to dwell on the past and focus on now.

      Comment


      • #4
        One thing I've learned during this process is there is a solution. Try to stay positive, and you have definitely come to the right place for resources. Wish I could help more but I'm not one of the experienced ones here. Big hugs to you and yours!
        A fresh start is a beautiful thing. And I'm not an attorney, just opinionated!

        Comment


        • #5
          Thanks!

          Comment


          • #6
            wow i am so sorry for what you are going through. my first thought when reading your post was that your attorney should be held accountable for not representing you correctly. it surely sounds like the attorney did not do something right and you may have recourse there. that is what you paid him for, his legal expertise to file information correctly because you did not know the law. there are plenty of people on this site who have loads of experience and i hope they will instruct you as to your options. good luck.

            Comment


            • #7
              This might be a real dumb question,so please pardon my ignorance.

              Can you voluntarily withdraw your petition for Ch.7 and come back in
              a couple of months with a new attorney and start over? Or with a AP,
              you're basically done for unless you can win your case in court?

              Comment


              • #8
                Originally posted by ifucan View Post

                Can you voluntarily withdraw your petition for Ch.7 and come back in
                a couple of months with a new attorney and start over?
                No can do.
                All information contained in this post is for informational and amusement purposes only.
                Bankruptcy is a process, not an event.......

                Comment


                • #9
                  Of course not... Forget it, no fight left. My wife left me, they repossesed our only car.
                  Atty. swore up and down we were under 7 protection,relief of stay...yadda yadda yadda.
                  Bank found a loophole I guess. Anyway, who cares at this point. I have nothing left,not even
                  a life.

                  Not gonna live this way. Time to go.

                  Comment


                  • #10
                    I'm really worried about you. My God, do I know how you feel. You are NOT the only one who makes mistakes. I have made so many in my life....marriage to wrong people, repeated credit problems, poor choice in college major, you name it I've probably lived through it.

                    I really hope that you find that last shred of hope and dignity. It is a hard road. Nothing is ever guaranteed. I keep looking for the shoe to fall at any minute and I have to stop. We all have to stop thinking like that. It WILL get better.

                    Comment


                    • #11
                      Originally posted by ifucan View Post
                      Of course not... Forget it, no fight left. My wife left me, they repossesed our only car.
                      Atty. swore up and down we were under 7 protection,relief of stay...yadda yadda yadda.
                      Bank found a loophole I guess. Anyway, who cares at this point. I have nothing left,not even
                      a life.

                      Not gonna live this way. Time to go.
                      You do have a life. I just hope you realize that you do. The car is just a thing. I am sure your wife is stressed, too.

                      Please post back or PM if you need to talk. We are here for you.
                      ~~ Filed Over Median Income Chapter 7: 12/17/2010 ~~ 341 Held: 1/12/2011 ~~ Discharged: 03/16/2011 ~~
                      Not an attorney - just an opinionated woman.

                      Comment


                      • #12
                        Originally posted by ifucan View Post
                        Of course not... Forget it, no fight left. My wife left me, they repossesed our only car.
                        Atty. swore up and down we were under 7 protection,relief of stay...yadda yadda yadda.
                        Bank found a loophole I guess. Anyway, who cares at this point. I have nothing left,not even
                        a life.

                        Not gonna live this way. Time to go.
                        Please do not let money, material things, and debt dictate that your life isnt worth living. You said it yourself - "..stay strong, especially for the sake of my family. I'm trying not to dwell on the past and focus on now." so there are MANY things to live for. If you're stressed out this much, I'm positive your wife is just as stressed - times like these you need to regroup and come together, not further apart.

                        We only get one lifetime - and you are here on this earth for a reason and a purpose. Dont let this bring you down to that level of despair, your family needs you and loves you.

                        Comment


                        • #13
                          ifucan - please post and let us know you are ok. I'd bet I am older than you and I am just beginning to see the light at the end of the tunnel. I've also lost a home, a car, a spouse, my good credit and just about every material possession I ever owned. But that is all behind me now - finally - and the future holds limitless hope and opportunity. Things are just things...they are not what makes like worth living.
                          Filed Ch 7 Pro Se 11-18-2010 341 Meeting 12-16-2010 Discharged 2-15-2011
                          New Job 7-2011

                          Comment


                          • #14
                            Sending hugs and hopes for you thru the ether. Hang in there, and PLEASE let us know you are ok.

                            ((((( ))))))

                            Keep On Smilin'

                            Comment


                            • #15
                              I too have made many mistakes through out my life. My wife and I are contently reminding each other that all the things have come and gone, and we will get other things in the future. But things are not your LIFE, believe that new and better opportunities for you and your family are around the corner. I didn't show a prior bankruptcy on my petition either, had to go to court and redo form to reflect the prior filing info. It worked, the judge was understanding and I was discharged 1-25-11. Don't give up, please hang in there.

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X