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

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as 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: (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 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

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 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

unsecured debt after pay or not to pay??

  • Filter
  • Time
  • Show
Clear All
new posts

  • unsecured debt after pay or not to pay??

    BK was discharged 03/2009. We had a credit card and a signature line of credit thru the same bank where our checking account was. We had originally told the atty we wanted to re-affirm these two debts, and she said no problem. But our credit report shows the credit card discharged thru the BK. We only recently stopped paying on it as we were unaware (even though the bank closed both accounts right after the discharge). Upon calling the bank, we were advised that per the BK laws, it is against the law to re-affirm any unsecured debt thru a BK. However, the line of credit still shows active/open on our credit report. We have disputed it thru the reporting agencies and it keeps coming back that the debt is valid and verified thru the bank, although they are the ones who told us that we COULD NOT reaffirm the debt after BK. So now we dont know if we should keep paying on it or not as we are trying to make timely payments on all accounts opened post-BK to rebuild our credit. We are in FL, can anyone tell me what the BK laws say about this in FL?

  • #2
    The debt has been discharged, and you are not now legally obligated to repay it. If you WISH to repay it, that is a choice that is up to you, and your paperwork will have an explanation of the debts that have been discharged, and the debts that have not. The ones that are not will include, taxes, court-ordered payments, such as child support payments, etc., and will contain language stating to the effect: "...and including any debts discharged, that you wish to repay."

    Now, my thought on the matter is that it is better to concentrate on moving forward, instead of looking back.

    Good luck!
    "To go bravely forward is to invite a miracle."

    "Worry is the darkroom where negatives are formed."


    • #3
      I agree with Mrs. Cat. The choice is yours, but you are not obligated to repay the debt as it has been discharged in the bankruptcy.

      Best wishes on a happy "fresh" start!
      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog

      I am not an attorney. Any advice provided is not legal advice.


      • #4
        Thanks for the info. I guess i wasnt really clear. My question is is it true that you CANT affirm unsecured debts and thereby they wld all be dischgd thru the BK?


        • #5
          Originally posted by katt3344 View Post
          Thanks for the info. I guess i wasnt really clear. My question is is it true that you CANT affirm unsecured debts and thereby they wld all be dischgd thru the BK?
          You can reaffirm them, or should I say "attempt" to reaffirm them, but it's moot. The Judge won't let it happen because it is "not in the best interest" of the debtor... ever!
          Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
          Status: (Auto) Discharged and Closed! 5/10
          Visit My BKForum Blog: justbroke's Blog

          I am not an attorney. Any advice provided is not legal advice.


          • #6
            Hi katt,

            Your debt was discharged but for some unknown reason the bank has left the acct open and/or is reporting it open to the credit bureaus.

            If you are trying to rebuild your credit, this may not be a bad thing. How is the acct notated on the credit report? If it doesn't have a negative notation (like late on payments, overlimit) and is not maxed out it will help your credit score. Of course this means you have to keep paying on it. Is the balance worth having the line of credit?

            If it does have negative notations or is maxed out, then to get it off your credit report keep pestering them, send the BK notice and the creditors matrix showing the acct listed. Credit bureaus are very bureaucratic, be persistent.
            Go to the bank and ask for a manager, have your BK notice in hand, don't leave until they close the acct.

            Good luck with this,

            Tom in Colo
            Ch7 filed 5/12/2010.....341 meeting 6/30/ of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010


            • #7
              Thanks Tom!


              Unconfigured Ad Widget