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

Been waiting 60 months to make this post

  • Filter
  • Time
  • Show
Clear All
new posts

  • Been waiting 60 months to make this post

    I just mailed my last check check to my trustee Well I think it may be my last because it's the 60th one but from what I hear I may have to send 1 or 2 more until they tell me to stop but that is fine with me because I am pretty much DONE!!!!!!

    It was pure hell at the start mostly because dealing with the lawyers, piles of papers and courts was so intimidating. But once the plan was approves it became a lot easier and I just looked at it like any other bill. I didn't hear from the trustee,a creditor or even my lawyer one time in the past 5 years. the only thing I've been checking is the National Data Center where I'm able to get updates on my account.

    What can I expect next? I'm guessing the trustee will contact me? Do I need to do anything else with the lawyer? I don't need to go to court again do I or take any more classes?

    I'm in a way better spot financially than I was 5 years ago partly because of a promotion, a couple raises and now I don't have the chapter 13 payment. At some point I'd like to get a new car but first I'll work on rebuilding my credit. I'm sure the credit card offers will start pouring in shortly so I think I'll go that route unless you guys have better suggestions? And trust me, nobody here needs to tell me to be careful with credit I'll never make the mistakes I made in college again.

  • #2
    good going James! i'm certain this is such a relief to get behind you!
    8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! and all are welcome to bk forum's Florida State Questions and Answers on BK


    • #3
      Congrats! You could start paying 'yourself' that ch. 13 payment, into a savings account. That way you'll have a good down payment and/or emergency fund going.
      Not an attorney, and never played one on tv. My responses are based on my own experiences & personal opinions.)


      • #4
        Contratulations!!! I am so happy for you. I've just started..sent my first payment..only 59 to go

        You are one of my idols, no trouble and no contact with the creditors, trustee or attorney..that's what I want to happen.

        Enjoy your new life!!!!!
        Filed Chapter 13 - 07/20/12
        Discharged 8/2/16


        • #5
          Way to go James! I am so happy for you. I have 6 payments left and I will be done so that will be a BIG day for me too. Enjoy your new debt free life.


          • #6
            That is wonderful news, Congratulations!

            The Trustee cashed our first payment this week---35 to go! sammie
            Plan Completed 10 months early 09/24/2014 Discharged 11/04/2014

            Filed Ch 13 Aug. 2012 341 Meeting 09/12/2012 Confirmed 10/23/2012


            • #7
              congrats! I have five more payments to go myself. From what I was told by someone that responded to my post- the trustee will perform an audit on the payments to the creditors and then if everything is okay- the trustee will file a motion of plan completion & notice concerning discharge. Your attorney needs to file a notice for discharge with 21 days of the trustees filing (this may vary within districts). Regarding classes- there are two "classes" that are required for a Chapter 13- the one you took before filing and the one that needs to be completed before discharge.


              • #8
                Great News


                • #9
                  Congratulations, James!

                  Originally posted by Scott50 View Post
                  Regarding classes- there are two "classes" that are required for a Chapter 13- the one you took before filing and the one that needs to be completed before discharge.
                  There's also a form that needs to be filed certifying that you took the second class. If that was not already filed, contact your attorney and ask him to file it now.
                  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!


                  • #10
                    Good for you! If you can do it (if your car can hold out until then), wait until your BK is off of your credit report. You will have had time to clean it up and the BK will be off which should make it a great time for you to get a great interest rate and maybe even save up enough to buy the car outright! (At least that's my plan)...
                    CH13 - filed 30 JUL 09, $1521 @ 60 mos (100% payback)
                    Done!!! - 01 Jul 2014 I'm free!! Discharged 9/23/14!


                    Unconfigured Ad Widget