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

$180/mo cable bill - no wonder so many folks are going BK!

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

  • #16
    I wish I could do away with our cable, but I can not. To run the high speed internet in my area I have to have cable. So I do have a package deal of cable/telephone/high-speed internet for 140 a month. That is the average price in my area. I have to have the internet for school. It is just an expense I have learned to accept. I do call every 6 months and try to get the promotional deals. So far I have been able to lower my bill 3 times in the last 2 years.
    Chapter 7 filed on 4/23/2010
    341 meeting on 5/28/2010
    Discharged on 8/19/2010

    Comment


    • #17
      The only internet available in my area is $50/month.

      Cable doesn't even exist here.

      That said, I assure you I didn't file BK due to my high cost of internet.

      Comment


      • #18
        main reason why i haven't got cable - waste of my time.
        kreditas, kreditai

        Comment


        • #19
          Originally posted by WhatMoney View Post
          There is no reason to pay for cable TV if you live within 30 miles of an urban area. High speed Internet connections are more of a problem if you are really rural, but any city over 5,000 probably has ISP/DSL that offer some form of cheap high speed (enough to stream movies) connection.

          As I've mentioned before, I pay $30/mo total for my high speed Internet, broadcast TV and telephone. Cable TV, other than the most basic in rural areas, should not be allowed as a claimable expense for BK.
          Not really a fair statement, IMO. We live in a metropolitan area, but there is absolutely NO competition. One cable company, one phone company, one internet company (all the same company - how convenient)...even one electric company. Talk about a monopoly! They also arrange it so that if you try to buy your services individually, you will pay much more than if you get them on a package deal. I tried to drop our landline phone and our cable, but guess what? The cost of our internet service would go up so much it was almost the same cost as having all 3 services!

          Great for you that you are able to get your services so cheap, but not everyone has the same opportunity. Just one of the reasons the UST has flexibility in determining what is appropriate for each area.
          Filed Ch. 7: 10-28-2010 Report of No Distribution: 12-16-2010 Disharged and Closed 2-18-1011

          Comment


          • #20
            After not having cable for 6 years we finally got it. Phone, high speed net & cable for $137 after taxes and fee's . Nice to have the cable channels again. Kids love the sprout and Nick jr. shows.

            We had a HD antennae and got like 30 plus channels until recently, also had netflix. I wanted to experience cable again though. I started to miss it. It is only $40 more than the phone and internet package.

            Comment


            • #21
              I miss cable for the sports but besides that the overpriced bill is for the birds!
              Ch 7 filed 8/15/11 341 9/22/11 Discharge 11/28/11
              The rebuilding begins

              Comment


              • #22
                Originally posted by Dee View Post
                Not really a fair statement, IMO. We live in a metropolitan area, but there is absolutely NO competition. One cable company, one phone company, one internet company (all the same company - how convenient)...even one electric company. Talk about a monopoly! They also arrange it so that if you try to buy your services individually, you will pay much more than if you get them on a package deal. I tried to drop our landline phone and our cable, but guess what? The cost of our internet service would go up so much it was almost the same cost as having all 3 services!
                What telephone company supplies your cable, phone and Internet, AT&T? We have Verizon (now Frontier) for telephone and Internet and Comcast for cable here. Comcast is too damn expensive. Verizon has FIOS (I am already wired for FIOS) that charges $100/mo for cable, high speed Internet, and telephone. If I wanted only FIOS Internet, it would cost $50/mo just for Internet. I told them to come back when they will give me FIOS high-speed Internet for $25/mo. I have no interest in cable TV, waste of my time.

                My Frontier high-speed DSL costs $15/mo with a 1 year contract. They normally charge $32/mo if you don't negotiate a special deal with them, which they always have but never advertise. My basic landline telephone costs $15/mo. I do not have or need long distance and have the cheapest local zone calling plan they have. Again, they don't advertise their cheapest phone line plan, you have to ask.

                I get 32 digital TV channels over the air with a simple antenna - way more TV than I have time to watch, and it's free. So, $30/mo total for TV, phone, and Internet. I'll bet in most metro areas you could get Internet and basic phone for $50/mo. Cable TV wasn't a necessity before there was cable TV, same as i-pods, smartphones, etc. Guess there is a new generation that just cannot live without the latest toys.
                “When fascism comes to America, it’ll be wrapped in a flag and carrying a cross” — Sinclair Lewis

                Comment


                • #23
                  Originally posted by Exployer1234 View Post
                  I wish I could do away with our cable, but I can not. To run the high speed internet in my area I have to have cable. So I do have a package deal of cable/telephone/high-speed internet for 140 a month. That is the average price in my area. I have to have the internet for school. It is just an expense I have learned to accept. I do call every 6 months and try to get the promotional deals. So far I have been able to lower my bill 3 times in the last 2 years.
                  You don't have to have cable tv. I have cable internet because it's my only option and I use OOMA for the phone.

                  Kill Your Television!

                  Logan

                  Comment


                  • #24
                    Originally posted by WhatMoney View Post
                    What telephone company supplies your cable, phone and Internet, AT&T? We have Verizon (now Frontier) for telephone and Internet and Comcast for cable here. Comcast is too damn expensive.
                    Comcast is the only thing available here for phone, cable and internet, and yes, it is too expensive! Verizon is rumored to be coming, but not yet. Dish is available for tv, but our landlord will not allow dishes to be mounted on the balconies, so not an option.
                    Filed Ch. 7: 10-28-2010 Report of No Distribution: 12-16-2010 Disharged and Closed 2-18-1011

                    Comment


                    • #25
                      we are paying $127 for our bundle. If hubby can not land a job soon that will have to go
                      Chapter 7 filed 11/4/10 ---- 341 Meeting 12/1/10 ---- Discharge 1/31/2011.

                      Comment


                      • #26
                        Originally posted by JackBondLove View Post
                        An interesting article on how to negotiate down one's cable bill.

                        http://gizmodo.com/5715428/how-to-ta...yline=true&s=i

                        It says that some folks' bill is $180/mo? Geez, even when I had cable TV AND internet cable, my total bill was only about $60/mo. Of course, the internet is absolutely necessary , and I could see the benefit of basic cable (although sites like channelsurfing & justin.tv all but obviate the need these days ), but after that, how much TV past that can folks watch? Folks that want movies can get NetFlix for what, $20/mo?
                        I hate this. I pay about $96 a month for basic cable + Internet. I need the high speed internet, so I have no choice. And each year they jack up the rates, so it should go over $100 in the next couple months.

                        A pure monopoly. Just like my trash service, a monopoly that always raises rates. $43 for 3 months. I disconnected my home phone service about 5 years ago and just use cell phone with minimum monthly only. I would love to dump my phone as soon as a reliable provider comes in for half the price.

                        It amazes me that during a recession, people can continue to raise prices, while everyones income continues to drop.

                        Comment


                        • #27
                          Like someone else said, i highly doubt the reason anyone on here consider filing BK was for a high cable/internet bill....there are people on here with 190K+ in unsecured debt for 1 person! That means they are likely paying well over 2.5K a month in minimums.... the $100-130 a month to cut off cable and internet likely won't make much dent in that, so it's not such a big deal.

                          Yes some people have ridiculous packages with every sport event, movie, and reality tv show in the country playing 24/7, i would think that is a minute percent of those who actually file. Most people have reasonable packages for their area and household...just underwater with crazy high credit card interest rates, unemployment, and houses they can't afford or sell anytime soon.
                          Ch7 no asset Filed 11/23 341 12/21 discharged: 2/22/11 I am soooo totally not a lawyer, but i wish i had married one! Does that count for anything?

                          Comment


                          • #28
                            Originally posted by Logan View Post
                            You don't have to have cable tv. I have cable internet because it's my only option and I use OOMA for the phone.

                            Kill Your Television!

                            Logan
                            It is my only pleasure that is left now since I did my BK. I did away with everything else. i have not spent any extra money this year. Even Christmas I spent less than 50 dollars on all the gifts. I can say this though if my cable provider makes me mad again i am not opposed to cutting them off. Since we stay at home now we seem to get more use out of the TV. I am not sure my better half would like going without his cable. He works at home and is here all day long. I don't know if I could handle hearing the constant blabber of him not having his cable television.

                            Okay I am done with my rant for the evening.
                            Chapter 7 filed on 4/23/2010
                            341 meeting on 5/28/2010
                            Discharged on 8/19/2010

                            Comment


                            • #29
                              We are about to cancel our satellite. Its only 30/ a month, which i guess is pretty cheap but no reason to spend the money if not necessary. Like so many others, we have Netflix and high speed Internet and use that as our primary entertainment. We also have magic jack and paid for the 5-year plan so the phone costs are almost non-existent.

                              Comment


                              • #30
                                Does anyone have any ideas on how to lower my bundle bill with Cable/Internet/Phone? I am paying $127 a month for the bundle package. I really need to find a cheaper alternative. thanks
                                Chapter 7 filed 11/4/10 ---- 341 Meeting 12/1/10 ---- Discharge 1/31/2011.

                                Comment

                                Unconfigured Ad Widget

                                Collapse
                                Working...
                                X