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

Cell Phones After Bankruptcy

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

  • Cell Phones After Bankruptcy

    I have been reading several posts at other sites about people being refused by Verizon and others because they have had a bankruptcy. One post stated that Verizon wanted a $1200 deposit.
    I was thinking about getting a new cell phone with Verizon because where I am at I can only get 3G and service is not too good. I am with Straight Talk which worked OK at my last location but at my new location it is not working too good at all. I am told that they use Verizon towers but are restricted on how many and which ones causing the service to be lacking.
    Anyone have a experience with cell phones after bk?

  • #2
    Are you absolutely sure that no other carriers work in your area? From T-Mobile, I got a relatively inexpensive Android phone on the latest release for $130 and a monthly cost of $45 for unlimited talk and text and 2 GB/month. T-Mobile is definitely cheaper than Verizon in most cases.

    Comment


    • #3
      The point I was trying to make was that Verizon and others are refusing to provide service, or charging huge deposits, to those who have filed bankruptcy.

      Comment


      • #4
        Get a pay as you go plan. 'Hub and I have that with Verizon, and so far we are pleased. We just do the phone calls. We do not do chat, text, or anything else. We don't need all that *krap*. We just like to have the phones in case of emergency.
        "To go bravely forward is to invite a miracle."

        "Worry is the darkroom where negatives are formed."

        Comment


        • #5
          Originally posted by nioka View Post
          The point I was trying to make was that Verizon and others are refusing to provide service, or charging huge deposits, to those who have filed bankruptcy.
          And the point I was trying to make was to avoid providers that do so. I filed chapter 7 last week and got a new Pay as you go phone from T-Mobile this week. No deposit. No credit check. Just pay $130 (plus tax) and $45/month. And it's not some crappy 2 year old Android phone. It's an LG L90 that is capable of 4G (though not LTE). It's not a top of the line phone, but I was very surprised at how advanced it is (4.7" screen, good responsiveness.) The last pay as you go phone I got was so ancient, I couldn't even run any apps. This phone is nearly as good as top of the line phones like the LG G3 or Galaxy S4.

          Pay as you go is probably the best way to do so for you.

          Comment


          • #6
            Thanks to all.

            I recently moved just before my house was foreclosed. I had good service with Comcast and Straight Talk.
            In my new location I am stuck with Charter. Internet running at .5Mbps and tv picture degraded. I am now using an antenna and getting all network stations with a great picture. The only phone service that is decent here is from Verizon.
            Walmart has a Galaxy S3 which is suppose to run on Verizon towers. I suppose that is my only option.

            Comment


            • #7
              We had no problem at all getting new service from Verizon - 6 months after discharge. We even got a $ 100 rebate on a new smartphone L2G2. 2 year contract - no problem.

              Comment


              • #8
                Originally posted by nioka View Post
                The point I was trying to make was that Verizon and others are refusing to provide service, or charging huge deposits, to those who have filed bankruptcy.
                I have never had this problem. I have had post-bankruptcy accounts with AT&T, Verizon and Sprint. What they really like to look for is your experience with utility accounts. If you have charge-offs and/or late pays for other telephone, cellular or utility service on your credit report, expect them to demand a deposit.
                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


                • #9
                  You could go to e-bay and buy a Verizon phone. Cheap less than $100 and some very nice phones too. then use Verizon pay-as-go OR

                  Check out Page-plus, they use Verizon service.

                  Comment


                  • #10
                    I use Virgin Mobile, all prepaid with good plans.

                    Comment


                    • #11
                      Justbroke,

                      I believe you explained it correctly.

                      After reading several posts at other forums about service refusal from Verizon I went in to see what would happen. (My chapter 7 bk was in July 2014). I explained my situation to a Verizon rep who ran my info and said, "you're approved." I expected to sign a two year contract and pay $299 for the phone I wanted. Instead I was offered the Edge program, (no contract), and they let me have the Samsung Galaxy Note 4 with one payment. After reading all the negative posts about getting Verizon I was surprised with my experience.

                      I had Straight Talk before I moved to my new location and it worked well before but not so good at my new location. Verizon is pretty much the only carrier that provides service throughout this new location.

                      I also had Charter installed. The internet is horrible running at .5Mbps and the cable video is degraded. Now that I have the Samsung Galaxy Note 4 I will be dropping Charter saving $115 and month. I will also be saving $45 on Straight Talk. I estimate that with my data usage my Verizon phone will cost me $90 a month and replace both Charter and Straight Talk. I will also use a laptop with no pertinent info on it at wifi locations for extensive web surfing.
                      I forgot to mention I installed an antenna for my tv and am receiving all network stations in HD.

                      I should be able to save about $50-70 a month depending on my data usage plus build my credit with Verizon.

                      Comment


                      • #12
                        I am wondering if it depends on the chapter? This is truly unrelated, but may shed some light. I was chapter 7 last Oct and somewhere around May, I believe, I tried for a Cap One credit card just so I could get a free credit report when they turned me down. I was shocked that it went through (not a secured card either), so I told a friend who is in year 3 of a chapter 13. She had been trying to get a CC just for car rental purposes only. She was turned down and the reason was recent bk, even though she actually filed about 3 years ago.

                        I could be wrong though; this may have no bearing on cell phone approval at all.

                        Comment


                        • #13
                          Almost a year to the day, I switched from Sprint to Verizon two-year contract, but this was a few weeks before filing the petition. Long story short, my Sprint smartphone was all busted up and wanted a new one before I filed. I also had a Verizon account my wife and son are on and I always wanted to go to Verizon anyway and wanted to join them to make one family plan. I didn't pay Sprint and had a past due that wasn't included in my petition..Sprint learned of my BK a couple months later and filed a proof of claim.

                          Comment


                          • #14
                            We switched from Cellular to AT&T this past Summer and we were still in our Chapter 13 without a problem. Now discharged 2 wks. we are going to AT&T this afternoon to get a new phone since my husbands phone was "stolen" over the weekend.
                            Plan Completed 10 months early 09/24/2014 Discharged 11/04/2014

                            Filed Ch 13 Aug. 2012 341 Meeting 09/12/2012 Confirmed 10/23/2012

                            Comment


                            • #15
                              For those who want Verizon without the Hassle try PAGEPLUS they are a third party cellular company that works on Verizon's network. You pay a little extra for roaming. And if you are happy with a low data plan it can be a lot cheaper then Verizon we pay $24 a month for two phones. We only get 250 minutes, 250 texts and 10Mgs of data each but its enough for us.

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X