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

Venting- Need a car

  • Filter
  • Time
  • Show
Clear All
new posts

  • Venting- Need a car

    Sorry, maybe I should've posted this here, since I'm talking about a car.

    Is it just me. But when it appears to be a little light at the end of the tunnel, darkeness tries to invade again. I take two steps forward, just to take four steps back. My objection for discharge was March 7th. Long story short, I'm awaiting discharge of my chapter 7. Why the heck, my 2000 Toyota Camry break downs on me. Yelp, right on I-20. I just got the oil changed too. Last year in October, I spend 580.00 getting the seals, timing belt and tune up. Had some oil leaks. She has 274,000 miles on her....PAID for. What's a girl to do. I let my house go in the bankruptcy, so the little money I have saved is for us to move.

    I'm the only one working, due to hubby layoff. I don't want any new debt, but will need a car soon. Hopefully I can get a dependable car, that I can pay cash for, but that will wipe out my savings for the move. Today just isn't my day.

    Any ideas or suggestions will be greatly appreciated. I will see how much it will cost to get repaired. Waiting for tow truck and my brotherly to pick up the hubby to come and get me.

  • #2
    274k is a lot of miles. Still, that's a very reliable and long lasting car so it may be worthwhile to fix and keep driving. It really depends on what is wrong with it.

    Even if it's something big in the engine like a thrown rod, you may decide to buy a used engine and have it installed. If the car is otherwise is decent shape, why not?

    Not sure what the issue is with the husband's job, but he may need to take a menial job just for some income to pay for a vehicle while he searches for a new job in his field. Minimum wage is a $7.25/hr raise over unemployed.
    Chapter 7, above median, no asset. Discharged with no UST involvement.


    • #3
      TXskyblue , I'm praying it's something minor. The car has some wear and tear, that visible. Needs a new windshield eventually, on two handles roll down, and the door handle is broken on the inside, driver door and the outside passenger door. But she runs good. That's why we were confused today when she stopped running. The hubby was doing day labor work, which is on and off. Something should happen for a permanent gig real soon. Just not interested in a car note.

      Thanks for the input.


      • #4
        So, it's the motor. Need a new motor. Roughly, 1500.00 - 2000.00. Okay....I'm not going to panic. Let me think, but I have to have a dependable car.


        • #5
          So sorry to hear.
          We just went thru this with our Camry, replaced trans and 6 mos later it went again. finally junked it yesterday. IMHO crazy to throw more money into it.
          Let everyone you know know that you need something reasonably priced and reasonable reliable.
          Good luck.

          Keep On Smilin'


          • #6
            Originally posted by keepsmiling View Post
            So sorry to hear.
            We just went thru this with our Camry, replaced trans and 6 mos later it went again. finally junked it yesterday. IMHO crazy to throw more money into it.
            Let everyone you know know that you need something reasonably priced and reasonable reliable.
            Good luck.
            There are no guarantees, but if I were in OP's shoes I think I'd pay the 2K for a used motor.

            I think the risk/reward ratio is good.
            Chapter 7, above median, no asset. Discharged with no UST involvement.


            • #7
              We are thinking about replacing the engine. We'll see how it goes. Not rushing, don't want to make an emotionally decision.


              • #8
                Whatever you dump into this car, make sure it is minimal.

                I know someone who used to sell used cars to "marginal" folks. He would demand $1K down, and finance the rest, usually like $50/week. As long as the car was working, he knew that the buyer would be continue to pay. When a buyer stopped paying and he called up, it was always "it's stopped running, so I'm not making any more payments; come pick it up". Perhaps this type of situation would be an option for you - but with that said, $2K for a new engine (and some type of guarantee on that), if what you are saying about the rest of the car being good is accurate, that sounds like a decent situation as well.

                It will great for most car owners when driverless cars come into existence. Folks will no longer need to have a car just to get around; the inevitable driverless taxis (which will have a price not much more than the cost to operate the car, since no taxi driver needs to be paid) will allow folks transportation for the "last mile" at the beginning & ending of any trip, and help create a huge market for intermediate mass transit that now is just not there (a car would still be needed for the last mile, and even then, it could only be used at the home "last mile").
                Last edited by joshuagraham; 05-19-2014, 10:28 AM.


                Unconfigured Ad Widget