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

Do you regret filing?

  • Filter
  • Time
  • Show
Clear All
new posts

  • Do you regret filing?

    Simple question...

  • #2
    Simple answer, sometimes! :-)
    Discharge date: October 2017 (will it ever get here?)


    • #3
      I'll second the sometimes, but I keep my eye on where I want to be and keep plugging along.
      11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JP


      • #4
        I did in the beginning when I saw 60 months ahead of me. I only started to really appreciate my decision when I got down to ten months. Now with only five months left, I am truly thankful I made the decision to file.


        • #5
          All information contained in this post is for informational and amusement purposes only.
          Bankruptcy is a process, not an event.......


          • #6
            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!


            • #7
              Originally posted by frogger View Post
              Originally posted by LadyInTheRed View Post
              With emphasis.
              Filed 11/10/08

              Discharged 2/18/14


              • #8
                Only thing i regret is not doing it sooner. In the end everything will be great. Will only have a house payment.


                • #9
                  Often we do not have a realistic alternative so it may be a moot question for most. I regret having to file but understand that it was the wisest financial choice given my options. I don't regret learning to live on cash and not chase new cars (and loans), furniture or vacations that really weren't making me truly happy. I will tell you it feels like the longest 53 months of my life but in reality it hasn't been that hard just different. The old 2005 Mercury Sable I saved for and paid cash is the most satisfying car I've ever owned after years of buying new cars annually.

                  I will only have a house payment too.. and equity.. and SAVINGS!


                  • #10
                    14 months into my BK 13.....looking back I wasted 5 years struggling with trying to rob Peter to pay Paul .Caused nothing but stress and turmoil..and took a toll on my health and I'm only I regret it ?...NO!!!!!


                    • #11
                      I regret the decisions I made that forced me to have to file in the first place. But do I regret regaining my financial health and not having increasing amounts of debt hanging over my head and beating myself up over making the decision to file? Hell no. My credit shot up nearly 100 points in the last month because I'm now in a position to make smarter credit choices.


                      • #12
                        Regret filing? Hell no! I'm turning 50 this year, and later in the 2010s the kids will be ready to go to college and we need to pave the way for a debt-free retirement.

                        Regret paving my way to filing with running up credit cards, home equity debt, getting more credit to rob Peter and pay Paul? Yes.

                        That's not to say there has been some challenges, but it's far better than the pre-BK alternative.

                        I wish BK was touted as more of a positive remedy for debtors. Funny, when I turn on Sirius XM I keep hearing this commercial with the voice over "If you filed for bankruptcy, you may want to turn the channel to something else because you won't like what you are going to hear". Then it proceeds to a Freedom Debt Relief sales pitch and I just do a little "bahahaha" to myself.

                        The only other regret is not filing when I first contemplated it in 2010. If my wife and I pulled the trigger then, we would be looking at being near the end of the Ch 13 plan now and probably at a lower monthly payment too.
                        Filed Ch 13 Fall 2013, 60 month plan


                        • #13
                          Switch, i almost did it i 2008!! I would be done by now, i regret waiting lol!
                          Discharge date: October 2017 (will it ever get here?)


                          • #14
                            Not in the least. Got me out of an underwater house and credit card debt that I could not pay after I lost my higher paying job.


                            • #15
                              Not in the least. We do, however, regret some of the dreadful mistakes we made while trying to avoid filing.
                              Last edited by AngelinaCat; 03-04-2015, 07:02 PM.
                              "To go bravely forward is to invite a miracle."

                              "Worry is the darkroom where negatives are formed."


                              Unconfigured Ad Widget