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

Update! January marks 2 years in....

This is a sticky topic.
  • Filter
  • Time
  • Show
Clear All
new posts

  • #16
    MommyMC you are an inspiration!!!! And best wishes to your son!!!!


    • #17
      MommyMC you're absolutely correct about staying poistive and stay on a BUDGET.

      18 Jan 2012 will be my 4th year of my 5 year plan and life has been wonderful.


      • #18
        Well I'll be darned, MommyMc. Congratulations! Now that I have noticed that you started this in 2010 lol. Three years now! Time to update! Is it all still good? This is my 2 year anniversary and it's all good here, so far.
        Last edited by tigergem; 01-05-2012, 10:39 PM.


        • #19
          Yes pls update!!! This is the best thread!
          Discharge date: October 2017 (will it ever get here?)


          • #20
            Hi Y'all!!! Thank you for the nice comments and well wishes! LIFE IS GOOD! We are down to 15 months left!!! All is well! We've followed our budget every month. We travel (we drive, we don't fly), we eat out, we go to the state fair, we do live a fun life. But we budget everything!!!! We take the kids out to eat about once a month. Fast food is about once every week and a half. We never purchase drinks at fast food restaurants, we always go thru the drive through and we eat at home. My husband and I have lunch out together every Friday. Much cheaper for just the two of to eat out than to take the entire family of 6. We use coupons and discount cards. My son sold a discount card for a fundraiser for his football team, it was $10, but it offered by one get one 1/2 half at some of our local restaurants, the card is great and is good for a year! It's using discount cards and coupons that get us the fun stuff. My son went to the local watermark with his friend, befo he left I Googled coupons for that water park, printed them out and he took it long with him! We rent movies instead of going to the theater, but we do get to the theater 1-2 times a costs our family of 6 about $80 to go to the theater... That's a whole lot of money!!! So we don't do it that often!
            Stuff does come up, I had to have surgery and my 6 year old had to have surgery. So that added some medical bills, which I am still paying a year later. The medical facilities are more than happy to work out a payment plans, all you have to do is ask! and the payment plans are interest free!!
            Now our kids are 15, 12, 7 and 4. They partake in sports, ballet, school activities, they are not hurting. They have learned to live on budgets and they know that can't have everything they want at the drop of a hat, yes, I tell my kids "no" when they ask for things in the check out line at the store!!
            Life is good! I wish the best for everyone just starting out. I know it's hard, stay positive, hold your head up high and don't fall back into old spending habits!
            I am more than happy to help anyone through this or answer specific questions, just message me!
            Take care y'all!!!


            • #21
              Geez!! Sorry for all the typos! I'm not use to typing on my iPad!


              • #22
                What typos? I didnt notice one, i was too busy reading your message! Wow! I love your attitude and so glad you shared yor experience! I have my 341 for 5 year plan on Nov 28 th! I am nervous!
                Discharge date: October 2017 (will it ever get here?)


                • #23
                  MommyMc - I was very, very worried about our 13. Your updates and attitude are a great inspiration and motivation for us to make ours work. I just hope we do as well on our plan as you have done on yours.
                  Filed 13 on 10/23/2012 -341 on 12/17/2012 (Happy Birthday to me!)
                  Confirmed 2/6/2013 (Happy Anniversary!)
                  I'd be almost done if I hadn't tried the debt settlement program first.


                  • #24
                    Hello Everyone!! I am so sorry I haven't updated sooner! Lord knows I have tried! I forgot my log in password and my attempts to retrieve it from this site did not work! Anyway, here I finally found it so here I am!

                    WE ARE DONE!! Our 5 years ended in January and we got the discharge letter from the courts in April!! WE ARE DONE!! We survived! When I last updated we still had 3 years left in the BK. Well, we stuck to our budgets and it all worked out. Every summer we went on a family vacation. My children continued to play their sports and my eldest (now 16) even traveled several times a year to play baseball with his team. 2 years ago he played in AZ over spring break so we loaded up the car and made it a family vacation! We went to Disneyworld in 2011 and are going again this July. Both of our car loans ended this past October freeing up a lot of money each month! As much as I want to run out and buy a new one, I am loving being debt free so I am going to enjoy this feeling for a little while longer. We will save some money so we can put a large down payment on it when the time comes.
                    Oh, man, so much has happened since I last updated. Last year I had 3... yes THREE... unexpected surgeries. We were very fortunate that by the 3rd one my insurance kicked in 100%. I am still paying monthly payments to my 2nd surgery. That should come to an end here by mid summer. Hospitals and doctors are very willing to work out payment plans and at no interest too!!
                    We have just begun the process to refinance the house. I was quite surprised to hear from our loan officer that our credit report wasn't that bad and that we did qualify! We are lowering our interest rate from 6.5% to 4.5%.
                    Now that the BK is over I am getting LOTS of mail and emails from credit card companies saying "your approved"... but we ARE NOT getting one. Maybe in a while, for emergencies, but not now.
                    Things are so good right now. If you are reading this and you are just starting out your BK, hang in there!!! IT ISN'T SO BAD!! You have to follow a budget! The first year was the hardest. It will be over before you know it! Just hang on and do everything like you are suppose to.
                    If you have any questions or want any advice on our experience just holler at me!

                    Thanks much y'all... This board was a lifesaver back when we started!!


                    • #25
                      Great news for sure. Good for you. I don't know how you were able to vacation, but again, good for you. It must be strange since you now don't need to make two car payments and the BK payment. It sounds like you have a plan and I do hope it works out for you.
                      11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JP


                      • #26
                        Way to go! YAY for YOU! I have 3 or 4 months left on mine, and can't wait to get it over with.


                        Unconfigured Ad Widget