Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as 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: (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 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

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 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 8th anniversary

  • Filter
  • Time
  • Show
Clear All
new posts

  • My 8th anniversary

    Eight years ago today, I filed by Chapter 7 bk. Wow does time fly!

    I think the best advice I could give to anyone contemplating filing is, treat this thing as a straightup business decision. At the end of the day, the only one who has your best interest at heart is-well you.
    Don't be in a huge rush to file. File when the timing will benefit you the most. At a minimum, have some sort of safety net or plan in place where you can support yourself and have access to health insurance post bk. I think the saddest thing I see on these and other boards are people filing in haste with no plan going forward and end up still paycheck to paycheck. That's just no way to live.

    Right after I filed, I started looking for a better job. Found one about a week or so prior to my discharge. We {my wife-she didn't file} have a budget that runs towrds lean. We both max out our 401K's plus, we contribute to self directed IRA's.

    I never tried to engage in credit repair. I last looked at my reports a couple of years ago and while there were a couple of things not quite right, I left it alone. My bk was fairly earned and I'm not gonna lie about it or try and get some things removed beause some dates may not be quite right.

    The bk affected my access to credit only once. About 6 weeks before the 2 year mark of my filing, my wife's car died. I tried to get an auto loan onmy own from one midsized regional bank and a local CU. I had acconts in both places and they lost nothing in the bk. The AA letter I got informed me the reason for the rejection was,they required a full 2 years post filing before I met their lending criteria. So, it was an emergency and we applied online for the Cap1 Blank Check program and were approved instanly.
    As to credit cards-I tossed all offers post bk that had a fee. Evevntually, I got a couple of unsecured cards from Household bank and then 1 from Cap1 {really surprised me since they were one of my creditors} and Juniper card. Total CL's now of about $15K. Just use them for daily purchases and pay them off at the end of the billing cycle.
    I did have 1 card survive bk. A CFNA card that handles Firestones credit card business.

    Anyway, just wanted to share and I wsih all of us good luck in the future!

  • #2
    Thank you for your story it was a inspiration


    • #3
      Yes. Thank-you for this update. It seems somewhat odd, yet appropriate to say Happy Anniversary!
      "To go bravely forward is to invite a miracle."

      "Worry is the darkroom where negatives are formed."


      • #4
        Thank you for sharing.
        Lawyer - $3000
        Filing fee - $299
        Fresh Start - Priceless


        • #5
          thanks for sharing keepmine. it's great to hear how one is able to readjust their lives to live around the credit abyss and come out holding their owe. sounds like a proud moment to me. i'd say slap me 5 if i could so

          will have to do
          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! and all are welcome to bk forum's Florida State Questions and Answers on BK


          Unconfigured Ad Widget