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 Date & Time

  • Filter
  • Time
  • Show
Clear All
new posts

  • 341 Date & Time

    So today i was notified of my date and time for my 341.. I am a bit nervous, just because of the unknown, but i am also excited and ready to start my new financial freedom...

  • #2
    I understand about being nervous but do relax all will be well


    • #3
      thank you


      • #4
        Read through the 341 thread, especially some of the stickies. Those will give you an idea of what to expect and how to prepare.

        Good luck to you! I am looking forward to giving you your Dance of Victory!
        "To go bravely forward is to invite a miracle."

        "Worry is the darkroom where negatives are formed."


        • #5
          Originally posted by AngelinaCat View Post
          Read through the 341 thread, especially some of the stickies. Those will give you an idea of what to expect and how to prepare.

          Good luck to you! I am looking forward to giving you your Dance of Victory!
          Thank you, i have read through the some of the 341 most of the one's that did not go well, as well as one that went well. I am with you and ready for the victory dance.

          Thanks for the support


          • #6
            Mine went well today. I had read a lot of scary stories, but now think that either only people with bad experiences post or individuals troll (possibly creditors) to scare people into not filing and instead try to negotiate settling their debts.


            • #7
              Most of the reports I've seen are along the line of "omg can't believe how worried I was; over and done in 5 minutes"
              Almost surely, OP, you will say the same thing
              Mostly it's about being prepared and being honest. Reading up here is an excellent way to achieve both of those.

              Keep On Smilin'


              • #8

                Doing too much reading can make you more scared. The questions asked are rather quick and to-the-point. Do you still live at the residence you filed at, did you read the petition and sign it, etc. When you go into the meeting, hopefully there will be a couple of cases before yours and you can hear the questions the trustee asks. I tend to get nervous but was so overwhelmed by the fact that my attorney didn't show up (!) that I completely forgot to be nervous. lol Oh, and be sure to know what your tax refund was and what you did with the funds. That is a question everyone was asked at ours because many of us filed around tax season. You don't need to supply any documentation re: what you used the funds for, just know what they went toward (ideally utilities, rent, etc.).


                • #9
                  You can even do a dry run and go sit in on some cases any time before the big day. It may help ease your fears of what to expect and it will help you be prepared to find the place and parking.

                  Keep On Smilin'


                  • #10
                    I want to thank everyone for the words of wisdoms. I decided i am not going to worry or stress over it anymore. I have nothing to hide so there should not be anything to worry or strees over. I have filed and theres no going back from here, i see a brighter financial future for my family and I and that is what i am looking forward too. Like my co worker tells me "STOP BORROWING TROUBLE" all will be good I have a little over 2 weeks before my 341 I will keep everyone posted.


                    • #11
                      Honestly I think this forum sometimes scares people with the 341s. It's really nothing to worry about. I think you are just more likely to hear about the bad experiences people have had on this forum than the hundreds of 341s that went off without any issues. Don't lose any sleep over it. There's no reason to stress over it, that's what you pay the attorney for.


                      • #12
                        Originally posted by ksgirl38 View Post
                        Honestly I think this forum sometimes scares people with the 341s.
                        Maybe sometimes. But for the most part, I think people come here already scared and we reassure them. The 341 horror stories are not nearly as prevelant as the "what did I worry so much about" stories.
                        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!


                        • #13
                          Not me.


                          Unconfigured Ad Widget