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

341 is tomorrow at 11am Manchester NH

  • Filter
  • Time
  • Show
Clear All
new posts

  • 341 is tomorrow at 11am Manchester NH

    I am headed home from work a little early today, to prepare a binder ala disconapper so I won't be fumbling for my documents if the trustee asks anything. I'm taking the day off tomorrow. Even though I know the 341 is a good thing in our straightforward no asset chapter 7, I'm not certain my frame of mind afterwards would be appropriate for dealing with the public, and I had the PTO available so I'm taking it.

    Will post something tomorrow afterwards about how it went.

    We are below median income, waving the white flag and surrendering our beautiful but upside down house and have already started to reconstruct our financial life beginning with a budget that includes savings. I'm going to ceremonially open an actual savings account at my local bank where my checking account is when I get out of the 341 and putting the first deposit in it to start our emergency fund.
    Figured out we were in trouble: (Wait, we're in trouble? ) Stopped paying creditors: Aug 2010 Filed Chap 7: Apr 29, 2011 341: Jun 1, 2011 Report of no distribution: Jun 1, 2011 Discharged Aug 2, 2011

  • #2
    Good luck to you and thanks for the shout out! I'm very proud of my lil' red binder. LOL!

    I'm sure it will go very well, keep us posted!
    Chapter 7 Filed: 04/21/2011, 341 Meeting: 05/31/2011, Report of No Distrubution: 06/02/2011, Discharged: 08/03/2011, Closed: 08/10/11


    • #3
      Cue Staples Button Press: "That was easy!"

      We arrived, with my big binder of documents on the 7th floor of 1000 Elm St, in Manchester, about 40 minutes earlier than our hearing, so we could listen to the cases in the 10:30 docket. Most people were dressed in business casual, and some of the ladies (myself included) appeared to be dressed in something they'd wear to the office or to church. There were a few that were dressed in matching shorts and cute tops and sandals (notably one woman with a 3 month old infant napping in his baby carrier), but most were appropriately and respectfully attired in more businesslike choices and I didn't see any outlandishly inappropriate attire. This Trustee proceeded through cases at a rapid fire pace. After swearing people in, and verifying their SS#, she asked a handful of questions general and specific to their cases, and the answers were barely out of people's mouths before she was asking her next question.

      There was one item that failed to make it onto our petition (on the last editing go around with the attorney's office I asked for the set of china I'm holding for my niece to be removed from "property transferred" and placed in "property held for others." It got taken out of the transferred section, but never made it onto the "held for others." So when asked if the petition was complete, I stated that there is a set of china belonging to my niece being held at our home for her that should be noted there. Trustee asked no questions about that.

      She asked most people first, why they filed for BK, but she did not ask us this question.
      Here's what she did ask:

      Q: Have you owned any other property other than the home listed in the petition?
      A: In the mid 80's I owned a home with my first husband, which was deeded in lieu back to the bank in '89.

      Q: Does anyone owe you money?
      A: Yes, the former contractor noted in the petition, but we didn't anticipate ever collecting it, he says he's on welfare now.

      Q: Are the tax returns provided previously, correct copies of your most recent filings?
      A: Yes.

      Q: Are all your creditors listed in your petition?
      A: Yes.

      Q: Are all your assets listed?
      A: Yes

      Q: Do you own any other vehicles?
      A: No

      Q: Are we involved in any litigation?
      A: No

      Q: Have we ever filed bankruptcy before?
      A: No

      After we answered those questions, she asked the room "Is there anyone with questions for these debtors?" and before the last word of the question had been heard she continued, "There being none, this is adjourned," and we were out of there. Don't think we were 6 minutes in the chairs! Oh and I totally didn't need the document binder, but I was glad to have it in case I did. There were a couple people ahead of us that were asked for documents about a business that had failed (this was a consumer bankruptcy, but his source of income had been an LLC) and they did not have the documents with them.

      Our attorney says we can safely begin doing whatever we need to with regard to getting rid of stuff and so forth.

      I'm grateful for the opportunity to have a do over... and ever so grateful for this forum, that has been so helpful and supportive.
      Figured out we were in trouble: (Wait, we're in trouble? ) Stopped paying creditors: Aug 2010 Filed Chap 7: Apr 29, 2011 341: Jun 1, 2011 Report of no distribution: Jun 1, 2011 Discharged Aug 2, 2011


      • #4
        Best wishes to you!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


        • #5
          YAY! Congrats! I'm glad it went well! Welcome to the 60-day club. Myself, you and a few others should all be celebrating our discharges within a few days of each other!
          Chapter 7 Filed: 04/21/2011, 341 Meeting: 05/31/2011, Report of No Distrubution: 06/02/2011, Discharged: 08/03/2011, Closed: 08/10/11


          • #6
            Update - see last item in my sig, which I just now figured out how to create! Yay, no distribution! We have decided that we are going to take charge of the situation with the foreclosure on the house, too. Tomorrow I will call the attorney who represents the bank and ask some questions to determine their timeline and see if I can negotiate a nice cash for keys if we get out during the summer, so they can sell this lovely lake house while it still looks great because of my gardens. (The can send in a clean up crew for the parts of the yard I hadn't got to, but we'll leave it clean and lovely, so I can remember it as it was and is supposed to be.)

            We already contacted one landlord and will go see an apartment Saturday. With our dog and our bird we know it could be an uphill battle to find a suitable place and we are not going to let this misfortunate mess bust up our little family so we're being proactive and trying to sort this out before it gets really bad. ON the other hand, if the bank isn't going to move fast, we'll stay... but I suspect this bank is moving fast. They do everything else fast!
            Figured out we were in trouble: (Wait, we're in trouble? ) Stopped paying creditors: Aug 2010 Filed Chap 7: Apr 29, 2011 341: Jun 1, 2011 Report of no distribution: Jun 1, 2011 Discharged Aug 2, 2011


            Unconfigured Ad Widget