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

Corporate Amex while in Chapter 13

  • Filter
  • Time
  • Show
Clear All
new posts

  • Corporate Amex while in Chapter 13

    I have an administrative job and it has come to my attention that the company wishes to issue one of the corporate amex cards in my name so that I can books travel etc for our staff that travels. I am 1 1/2 years into a 5 year chapter 13. The bills are mailed to the company and the company pays it. Does anyone know what might happen. Any help would be appreciated. My employer does not know about my bk.

  • #2
    I am a teacher and we have charge cards for classroom supply purchases. It is in my name and the schools name. They also get and pay the bill. I am over 1 year into my plan and nothing has ever come up as an issue. As far as I know my employer doesn't know I filed. I think I am just an authorized user and not the direct debtor. It also doesn't show up on my credit report either!


    • #3
      Thank you for your reply.....

      that gives me some comfort. I have been waking up in the morning in panic attacks!! I just want to get through this and never have a credit card again!!

      God bless you


      • #4
        This can go either way - it just depends on how your corporate card is setup. Currently I have a corporate card that was actually issued to my company and given to me. I have zero responsibility for it and I only see the bill if our Accounts Payable department needs some info on an expense. This was a bank issued Visa.

        In my previous position as a consultant I had a corporate card that was issued to me and my employer, but they used my credit to obtain the card and I had responsibility for the payments (which generally got paid out of my expense checks). This was an Am-Ex card.

        So all depends on how your employer structures it.


        • #5
          When my company started to issue corp amex cards in the employees names, with the employees responsible for making the payments, people with bankruptcies were denied. I think you have a better shot if its the company that's responsible for paying.
          May 2008: Filed Chapter 13
          Jan 2010: Plan Amended and Confirmed! finally plan funds = total funds due!
          Jul 2013: 5 years done! Trustee set to discharge! Woo hoooo!


          • #6
            All the AMEX Corp cards I have had at companies required you personally get approved for it. An officer of the company can override this and quarantee the card - - it's really not that uncommon for this to be necessary :-)

            Thankfully my company now uses a Visa from Chase with 0 credit check from me.
            19% dividend


            • #7
              We have been in our 13 for a year now and it has not affected my husbands corporate Am. Express card what so ever. The card is in his companies name and his name. We get the bill at our house and we pay the bill each month with the reimbusement he gets from the company. We have no issues with this. Our lawyer and our trustee are aware of it.


              • #8
                Originally posted by MovingForward View Post
                I have an administrative job and it has come to my attention that the company wishes to issue one of the corporate amex cards in my name so that I can books travel etc for our staff that travels. I am 1 1/2 years into a 5 year chapter 13. The bills are mailed to the company and the company pays it. Does anyone know what might happen. Any help would be appreciated. My employer does not know about my bk.
                There are two types of corporate AMEX cards....If you are given an application for the card by your company for you to fill in and sign, your credit will be used to guarantee the card. If you are given a card in your name by the Company and you filled out no application nor provided your SS#/signature, the card is guaranteed for payment by your company and your credit not used. The first one I describe is the most common. With what you describe one would think the staff that travels should utilize their own corporate card for their travel and that information you should have or the travel agency should have for each traveler.
                Filed 5 Year Chapter 13: April 2002
                Early Buy-Out: April 2006
                Discharge: August 2006

                "A credit card is a snake in your pocket"


                Unconfigured Ad Widget