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

Hope everyone is well :)

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

  • Hope everyone is well :)

    hi y'all

    Hope everyone had a wonderful Christmas and wishing you all a blessed New Year ahead.

    Been very busy and cold with all this stupid snow and arctic air like most of this country at the moment. chugging along in our Ch 13, counting down the months...a little over 14 months left out of 60... can't wait!!

    Am soooooo ready for spring....ugh. greenhouse to build, house remodeling to do.. and of course.. the BEACH! yay!

    how's things with everyone?

  • #2
    Hi, Pandora! Good to see you!

    Can you send some of that snow out West? We are having a huge drought here in California. In the S.F. Bay Area, most areas have had only around 2 inches of rain since July. Normal would be around 13 inches. People are mountain biking at the ski resorts! We got some sprinkles this morning. My husband said he may actually have to mow the lawn for the first time in months. Without water, even the weeds aren't growing.

    15 payments left for me! All is good!
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

    Comment


    • #3
      Well hello there LITR,

      Good to see you as well! Oh my word, if I could send all this precip your way I most certainly would! I'm SICK of snow and rain! They panic when they see a snowflake here and close the damn school down - its maddening to say the least. The worst is yet to come as we've got Feb and Mar to get through..our worst snow months, and these kids have used up all their snow days and reserve days; school is now tacking on days to the end of the year. Ugh.

      Hey - how was your vacation out to HI? Hope you had a wonderful time

      Sending the rain gods your way!


      Doesnt it feel great to ALMOST be at the end of our plans? WHOO HOO! So going to party when we're finished!

      Comment


      • #4
        The vacation was wonderful. It always goes way too quickly.

        We actually got some more sprinkles over the last two days. As a co-worker said a few minutes ago, we need that a hundred more times! I was just reading in an article that it would have to rain heavily every day through May to bring us to normal. There are some communities, mostly in rural areas, who will literally run out of water in a few weeks.

        Yes, it does feal great to be so close to done. I actually look forward to the 15th of the month so I can get one more payment behind me and remove one more pre-addressed and stamped envelope from the stack. I am considering throwing a party the month after my last payment and using the $500 that was going to the trustee on food and drink. But, I really should be sensible and put it in savings instead. Maybe I'll save for 6 months then throw a party. We'll see....
        LadyInTheRed is in the black!
        Filed Chap 13 April 2010. Discharged May 2015.
        $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

        Comment


        • #5
          Hey Pandora! Nice to have you drop by to see what is going on!
          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.

          Comment


          • #6
            Hiya JB - good to see you as well Hope all is good down your way in sunny FL!

            LITR - Glad to hear the vacay was great! I'm so ready for the beach myself...summer cant come soon enough! I hear ya on the party after completion thing! Motivated me so much I just logged into National Data Center to see what my owed balance was... we're down to 8K remaining - WHOO HOO! Still the timeframe remains, but makes it a bit more palatable when I see a dollar amount vs. monthly number LOL! Hope the rains come soon, just saw where the reserves are running low for water. Praying ya'll get some much needed rain. Make sure you start stocking up now on some bottled water just in case!

            Comment


            • #7
              double post
              Last edited by tobee43; 02-04-2014, 10:20 AM.
              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

              Comment


              • #8
                hey hey!!!! so GREAT to see you!!!! GF!!!

                glad to hear things are going great!! but that's your karma anyway only good to the great

                beach? what's a beach?? LOL!!! just closed on a house in wake forest NC was hoping to close and leave, but with us EVERY SINGLE time we get a weather event, like sandy, or 12 inches of snow for the first time in 20 years that makes use stay longer. we are STILL here and closed in dec., but builder problems of course.

                had to build the "legacy" house. i'm too tired seeing my kids struggle although they have great jobs it's still so hard for them, so now each has a place to go forever and it's really beautiful here if it wasn't so DARN COLD!!!!!!!

                if you are lookin for some rain i can sprinkle some of this snow on the ground for you! we got woods and i'm so happy this year will bring us health, happiness and just the joy of a peaceful life. it's ONLY walking through that front door and seeing your loved ones that really only counts anyway. oh!! and a martini or two or three (i wish LOL!!) .

                good luck on your green house! we use to have 300 gallon tanks, 2 of them and then we build ourselves a massive wood burner to heat it! if stokes correctly the wood could last for 48 hours, it was HUGE. it worked for years and years. it was fun, but now way too much work. you will LOVE growing your own veggies year round!

                speaking of water, i surely miss our fresh clean well water at least here in NC we can drink the water!! best of luck on your spring projects!
                8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                Comment


                • #9
                  this site is getting funkier and funkier.
                  8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                  Comment


                  • #10
                    hiya tobee

                    Wow - ya'll are moving? I've been gone too long it seems LOL. Congrats on the new house! Its nice that you've decided to do multi-generational living, or at least planned for it down the road should something happen unexpectedly. More and more people are going that route it seems. Sadly, its not out of want but more out of necessity. So happy for you all! What made you decide to move up to NC? Hubby says one day we'll move down to the OBX but methinks thats a pipedream; although I love the beach with a passion, I also love our little old farm and farmhouse and the peacefulness of it all. Maybe we can have both...c'mon lottery! wishful thinking eh?

                    Yep - greenhouse. Have done everything else, so now we've decided to stop fighting with the animals and just secure it all inside. I'll still plant some outside for them (yes yes..I'm like Old Mother Hubbard) but I need our bounty and am tired of shooing squirrels away. Tricky little suckers they are - they can get into anything I think! Should be interesting to build, we've been squirreling (tee hee) away old windows for the better part of a year now and believe we have enough to build a very nice sized one (12X12 or so). Best thing, all recycled and will cost less than a few hundred when all is said and done .

                    Ugh - wood stoves - been there done that. Although I've gone back and forth on having an outside woodburning furnace installed eventually, I'm still debating. We have some friends that have one and they swear by it; I'd love the heat wood provides but the smell of wood burning I cannot handle, it triggers migraines for me . Sucks when we go camping and people think I'm insane - I'm the only person with a scarf over my face running for the RV soas not to smell the smoke and then they see me plastered to the window watching the campfire LOL. I'm sure they're thinking hubby keeps me locked in the RV

                    Comment


                    • #11
                      ahem...where's the green frog? YOO HOO.....

                      Comment


                      • #12
                        We hadn't seen much of him either. I thought you still had him in your box.....
                        "To go bravely forward is to invite a miracle."

                        "Worry is the darkroom where negatives are formed."

                        Comment


                        • #13
                          Originally posted by Pandora View Post
                          hiya tobee

                          Wow - ya'll are moving? I've been gone too long it seems LOL. Congrats on the new house! Its nice that you've decided to do multi-generational living, or at least planned for it down the road should something happen unexpectedly. More and more people are going that route it seems. Sadly, its not out of want but more out of necessity. So happy for you all! What made you decide to move up to NC? Hubby says one day we'll move down to the OBX but methinks thats a pipedream; although I love the beach with a passion, I also love our little old farm and farmhouse and the peacefulness of it all. Maybe we can have both...c'mon lottery! wishful thinking eh?

                          Yep - greenhouse. Have done everything else, so now we've decided to stop fighting with the animals and just secure it all inside. I'll still plant some outside for them (yes yes..I'm like Old Mother Hubbard) but I need our bounty and am tired of shooing squirrels away. Tricky little suckers they are - they can get into anything I think! Should be interesting to build, we've been squirreling (tee hee) away old windows for the better part of a year now and believe we have enough to build a very nice sized one (12X12 or so). Best thing, all recycled and will cost less than a few hundred when all is said and done .

                          Ugh - wood stoves - been there done that. Although I've gone back and forth on having an outside woodburning furnace installed eventually, I'm still debating. We have some friends that have one and they swear by it; I'd love the heat wood provides but the smell of wood burning I cannot handle, it triggers migraines for me . Sucks when we go camping and people think I'm insane - I'm the only person with a scarf over my face running for the RV soas not to smell the smoke and then they see me plastered to the window watching the campfire LOL. I'm sure they're thinking hubby keeps me locked in the RV
                          OH! NO! not moving!! there are kids in that house that think nana is a cook and likes making braids and stuff like that. heavens NO full time living in NC although i LOVE the land and the fact the house is so large we don't have to see each other for weeks. it was our way of leaving our children or helping them. we have a nice little bedroom suite, but i want no part of full time living with family! just visits and now what ever happens to us i will know our kids are fine.

                          i miss my land, my greenhouses, my clean water and fresh food. florida is NOT me that's for sure, but my D/H loves it and so it must be. we took old windows. glass doors everything we could find!

                          you will have so much fun with the greenhouse, you won't be sorry. but if you do have a good wood source we had 50 acres behind us free land to cut wood, so it was well worth it. i mean the wood stove to heat the green house i hate them in the house way to dirty. the NC has two natural gas fireplaces and it's nice and clean.

                          as for camping, well one year my mom never told us so she rented out our entire house for the summer and we took off camping to the north pole. (we made it as far as upper british columbia). however, not the best experience in my life, so nice i camp, but it's at the plaza!! LOL!!

                          as for for the frog he is much missed???? hmm drifted off never to be heard of again...sad
                          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                          Comment


                          • #14
                            Originally posted by Pandora View Post
                            ahem...where's the green frog? YOO HOO.....
                            He's around. Normally early in the mornings, the off to the salt mines...........

                            I'll get you caught up on everything soon.
                            All information contained in this post is for informational and amusement purposes only.
                            Bankruptcy is a process, not an event.......

                            Comment


                            • #15
                              there you are!!! if anyone can get you off you lilly pad it's pandora! glad your well!

                              hmm is back??? i am not on a lot myself so i have not seen him/her at all. glad to hear he/she is back!
                              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X