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

My default thus far

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

  • My default thus far

    I finally bit the bullet and stopped paying at the beginning of January. I have three different accounts-B of A, Chase, and Citi. Citi was due at the beginning of the month-after about a week they started calling my GV number once or twice a day. A week later they must have dug into my records and found my cell phone even though I "updated it" and called that. I never answered. Last week they called me at work (I don't remember giving them that number-oh well) and I simply stated that I cannot take personal calls at work and they asked what number to call on. I gave the GV number and said that they cannot call me on any other number. The girl on the other end cheerfully complied and hung up. They have called everyday, twice a day since on the GV number so things have been quiet.

    As far as B of A goes, I had them on automatic payment because I had the largest balance and the lowest interest rate with them so I was paranoid about ever missing a payment and getting my rates jacked up. I was too late in cancelling the autopay and they snagged the minimum for January before the minimum went through, so as far as they are concerned I'm current until the beginning of February. That one has me a little more on edge because I owe them $20K+ and they just seem bigger, meaner, and more ruthless than the rest, or maybe that's just my imagination. They too have my GV number so we'll see how that goes. Chase is due tomorrow, but I've heard that they are toning down their collections/suits quite a bit as per an article that Catleg posted, so I wonder when or if they will start to call. We'll be filing over the summer at the latest, so I don't think we have to worry about being sued-I'm just hoping the calls don't drive us nuts before then. I cringe every time our home phone rings but so far we've received no calls there either. I'm thinking of ditching it anyway to save some money. Anyway, that's my story-it always helped to hear from others who had gone before me so I hope this gives someone else some peace of mind.

  • #2
    I'm right with you Diesel. I stopped paying last month and it's just coming up on 60 days late on our credit cards now. Well at least they can't call me at work since I lost my job. Little consolation. I had a few of the cards on auto payment plans but I tried to clear out all the information on each of the site. Lucky I never put my cell phone number in as an option. GV is what's I am looking into setting up today.

    Comment


    • #3
      I never put my cell phone number anywhere but they found it somehow. I subscribed to call block and that stopped them calling my cell. I also switched to Google voice. I blocked their calls on that one too. There is no reason why you have to endure these calls with all of the options available to block the calls.

      Comment


      • #4
        I remember several of my credit cards would call me at work several times a day. I never answered, but it was a stressful couple of months before I filed. I was able to block them from calling my cell phone, though.

        Comment


        • #5
          Ah how well I remember the days before I learned to "stop worrying and love GV"
          It was nerve wracking and embarrassing.
          GV is like a dream come true. I have a few who dug up my cell too. I have a dumbphone so I just ignore those calls. I have been told by a bootcamper that calls to cells can be fined for. Interesting thought and you have the message recorded right there.....

          As to BoA, I owe them even more than you do, Diesel, and haven't heard much from them other than offers to settle. I don't think they are any more aggressive than the rest of the bunch. In fact, it's been reported here that sometimes it's the "ankle-biters" and small balances that sue first. So, you never know. At any rate, you will almost surely be ok til the end of June. You can always figure out a way to stall them if they start in with you sooner.

          Keep On Smilin'

          Comment


          • #6
            They all drove me nuts, and they all called in patterns. But AMEX was the absolute worst, and I had two cards with them. BOA would call me, as it was my card, hubby would answer, I would be unavailable, they would tell him to have me call,I wouldn't, then I would have a weeks reprieve. I had two chase cards, they were relentless as I was getting double the calls, and wells fargo was absolutely the stupidest, they would robo call me, we would answer the phone and there end would click and hang up, then not call for another week. This accelerated the second month, then I just never answered the phone again as we filed at the end of three months not paying them.

            Good for you figuring out GV before this relentless calling gets really bad.

            I know a heck of alot more now, and would have never answered the first call, I just thought it would by me time, but in the end I learned we had time until we got filed before they would do much.

            Those calls are so unnerving and things are already stressful, I absolutely loved it when I turned the ringer off on the phone, then deleted the messages before I even heard the voices. That was truly my first day of peace in a long while, and when my stress levels finally started to decrease.
            Hired Attorney 8/28/10 Filed Chapter 7 11/08/10 341 12/14/2010 Report of NO DISTRIBUTION 12/15/2010 Waiting for February 14 2011, date objections due.
            DISCHARGED and CLOSED 2/15/2011

            Comment


            • #7
              Get rid of your home phone if possible and get a by the minute pre paid cell, that way your name is not listed under any number.
              Filed Chapter 7 10-2008
              341 Meeting 12-2008
              DISCHARGED 2-2009

              Comment


              • #8
                You can hook more than one phone into GV, "attach" it to your cell number and it will forward that call to GV just like the rest of them. I cannot remember everything on GV BUT I believe you can create a "rule" or "tag" for the collection people phone number (on your cell phone when they call) and have that one forwarded on to GV, check into that. I know you can involve several phones when it comes to GV just go into the computer screen for your account and look around the menu to see how to do things. Or just search it on Google of course!

                Comment


                • #9
                  Originally posted by Drazil65 View Post
                  You can hook more than one phone into GV, "attach" it to your cell number and it will forward that call to GV just like the rest of them. I cannot remember everything on GV BUT I believe you can create a "rule" or "tag" for the collection people phone number (on your cell phone when they call) and have that one forwarded on to GV, check into that. I know you can involve several phones when it comes to GV just go into the computer screen for your account and look around the menu to see how to do things. Or just search it on Google of course!
                  I'll have to look into this as I thought you could only attach a GV number to one phone. We keep our landline because we have an infant and God forbid if my wife ever had to call 911 we would want the operator to instantly get our address without having to tell them. Cell phones can only give a location within 50-100 yards. If I can attach the home phone it might be a better option than just turning the ringer off. As for the "rules" for callers GV is great. Citibank always calls from the same number, so I tagged that number to receive it's own special VM (my name and address) without ringing my cell phone at all. I just keep track of how often they call on the computer.

                  Comment

                  Unconfigured Ad Widget

                  Collapse
                  Working...
                  X