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

Ugh...i think i am in trouble :(

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

  • Ugh...i think i am in trouble :(

    hi everyone,
    i just had a phone consult with an attorney in my area. he was very nice but when i mentioned that i have been unemployed since 2007 (due to multiple surgeries/complications) he asked if i used my credit cards at all AFTER not being employed. I said yes because i used it for food, medical check up appointments, medication (i had no insurance) and just things to get by. he kind of paused and said that would be an issue. is that going to be seen as fraudulent??? he said he would have to make the trustee think it was OK. i am freaking out now and never even thought about that being wrong. i didnt know at the time i was going to file. now i think i should delay it even more. i don't know what to do! most of my accounts have either been charged off or sold to jdb's so i thought i was in the clear. now my stomach hurts.....

  • #2
    You used them for normal expenses and not luxury items, right? Don't know how much you're talking about, but I would think that the worst case would be that you would not get those particular charges discharged.
    Filed C7: 12/16/08; 341 Meeting: 1/22/09
    Last Day for Objections: 3/23/09 (No Objections)
    Discharged: 4/3/09
    Closed: 3/23/10

    Comment


    • #3
      Oh nothing luxurious at all. I think the only thing that could be seen as luxury was a laptop i bought for school. nothing fancy. just the bottom line macbook. i got it for 700.00 on sale. i needed it for school and was still making my payments then and for months after i bought the computer. do you know if that makes a difference? ugh.....

      Comment


      • #4
        Unless that laptop was bought within 90 days before filing, I don't think its a problem either.
        Filed Ch 7 -- July 9, 2008
        341 mtg ---- August 14, 2008
        Discharged ---- October 17, 2008
        Closed --------- December 11, 2009!

        Comment


        • #5
          Bought 1.5 years ago.

          Comment


          • #6
            I think you will be fine. To ease your mind schedule a few more consults with attorneys in your area and see what they have to say.

            Comment


            • #7
              Absolutely go see some more attorneys. If this attorney thinks there is a problem where there doesn't seem to be....he's is looking for more money from you (because he is making you think its a complicated case)..Sorry I don't trust attorneys period..
              Go see at least 4 more.. see what they say..dont trust the first one

              Comment


              • #8
                He quoted me 1K for my case. Is this average? Good? Bad? I am in South FL.

                Comment


                • #9
                  I don't know about Fla, but here in Ca. thats a good price...but still please do yourself a favor and check out a more attorneys. Everytime you go see one, you'll learn more and more about this nightmare called BK..

                  Comment


                  • #10
                    Thanks ready. Have you filed yet? Do you mind me asking what chapter you did/are filing for? i myself am "readytopuke." my stomach is always in knots and i cant believe i have to file at age 25. its just horrible.

                    Comment


                    • #11
                      It would look to the creditors and court that you made charges regardless of what the reason is with no possible way of paying it back.

                      It's hard for anyone to really answer this. You will know only after you file.

                      Since you have no income to garnish and no assets for them to take (I assume) maybe you can hold off the filing and live with the painfull collection process until you go back to work. This way you can make some good faith payments then file if it's too much to handle.

                      Good luck
                      The essence of freedom is the proper limitation of Government

                      Comment


                      • #12
                        Originally posted by Beeheery View Post
                        He quoted me 1K for my case. Is this average? Good? Bad? I am in South FL.
                        That's a very low price for S FL. I paid $2000 + fees etc (ended up at just under $2700). Sounds like this is the type of attorney that gets you in the door with a low fee and then everything else is an add on! Besides that, I don't understand why he is making a big deal of using your cards while you were having surgery etc. Most of us that had large medical issues had to supplement our living expenses by using the credit cards during recovery.
                        Filed CH 7 9/30/2008
                        Discharged Jan 5, 2009! Closed Jan 18, 2009

                        I am not an attorney. None of my advice is legal advice in any way..

                        Comment


                        • #13
                          Thanks Banca. I think I will hold out a bit longer. I kept making payments for 6 months after purchase so hopefully that, with waiting a few more months will help me!

                          Comment


                          • #14
                            Originally posted by ready2puke View Post
                            Absolutely go see some more attorneys. If this attorney thinks there is a problem where there doesn't seem to be....he's is looking for more money from you (because he is making you think its a complicated case)..Sorry I don't trust attorneys period..
                            Go see at least 4 more.. see what they say..dont trust the first one
                            I completely agree. I met with three attorneys this week and the second went on and on about a $10 Blockbuster charge I put on a card last month. We have $70,000 in debt from the past 12 years and she spent five minutes lecturing me about fraud for that $10! Good thing I'd already seen a good attorney or I would've been scared to death.

                            Comment


                            • #15
                              Originally posted by Beeheery View Post
                              Thanks Banca. I think I will hold out a bit longer. I kept making payments for 6 months after purchase so hopefully that, with waiting a few more months will help me!


                              That's a different story. If you made payments AFTER you made the charges then it looks like you attempted in good faith.

                              I would still hold off as long as possible. I hate when I hear of those that are going through creditor objections except for the few that bought the large flat screen 91 days before filing thinking they are safe.


                              The essence of freedom is the proper limitation of Government

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X