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

Dischargec showed up in pacer today... OMG -so thrilled

  • Filter
  • Time
  • Show
Clear All
new posts

  • Dischargec showed up in pacer today... OMG -so thrilled

    Its been 5 mths since my last payment (wage garnishment) . Creditors had until last Friday April 10th to object. Came home today , checked pacer and wahla- Voila and everything else. Discharge entered today 4-13-15... I actually have butterflies in my stomach to finally have this completed. Its is a huge sense of accomplishment for me. Starting out I looked at the credit card debt I had accumulated from my divorce, being a single mother , and putting my wants in front of my needs too many times and I was overwhelmed. Depressed and had no idea how I would ever get my financial life back on track and in order... Bankruptcy was not an easy choice . I tried the debt settlement route & gave some company in Texas almost a years worth of payments before I realized what a scam it really was. The sheriff showed up at my door with papers too file a lien on my house. When I called the debt settlement company they told me that was a possibility once I stopped making payments. Lesson learned the hard way. Anyway, that forced me to file and I have never looked back. I have had some really lean times . I have cleaned out every coat pocket and the bottom of every purse I had but I made it work. Today I am so very happy with my decision to file . Its a chance at a fresh start I never thought possible 6yrs ago... I am doing my HAPPY DANCE for sure

    P.S. This site was my life line so many times. Especially in the beginning. I would read & read soaking in everything I could about a Chapter 13. There are so many experienced , helpful , members. Thank you all from the bottom of my heart...
    Last edited by klandsb; 04-13-2015, 04:32 PM.
    Those who live in glass houses should not throw stones
    Chapter 13 filed 10-21-09
    Discharged 4-13-15

  • #2
    CONGRATULATIONS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!

    May your pockets and purses become heavy with change once again!
    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!


    • #3
      Thank you LITR.. You are such an asset to this site. I read your responses to members every single day. They come here broken like I was when I started this journey. Keep up the good work.. New members need moderators like you.. Justbroke helped me in the beginning although he probally doesn't remember but I never forget a helping hand ...
      Those who live in glass houses should not throw stones
      Chapter 13 filed 10-21-09
      Discharged 4-13-15


      • #4
        klandsb, congratulations!!! so happy for you!
        Discharged 5/2015


        • #5
          I am so happy to read this for your success! You sound beyond the moon happy and that makes my day! What are your plans now?

          Discharge date: October 2017 (will it ever get here?)


          • #6
            Congratulations...i'm not you.and I have butteriflies in my stomache. Enjoy your new freeedom.
            Filed Chapter 13 - 07/20/12
            Discharged 8/2/16


            • #7
              Congrats on a great accomplishment.
              11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JP


              • #8
                Great news! I am glad it was over....I have been watching for you to post your discharge after you stated your timeline recently! I am so impressed that you made it and are done!!!
                Mine can't come soon enough......Oh, I just realized I did not check the mail box today!!!
                Congrats! Best of luck on a fresh start!!!


                • #9
                  Jange,DMC,Sophieanne,Spidge & Suzy. Thanks ! I hope you all feel as ecstatic as I feel today when your time comes. My plan now is too continue on with my cash only life. I do plan on eventually replacing my 11yr old SUV to a newer model. I am just happy it made it thru the bankruptcy. Bankruptcy is one of those things in life that unless you have personally experienced it you have no idea what it feels like and that's what makes this community of people supporting each other so important. I told very few people I filed. Its great to have a place to log into with people in the same situation and share your story.
                  Those who live in glass houses should not throw stones
                  Chapter 13 filed 10-21-09
                  Discharged 4-13-15


                  • #10
                    Congrats from a fellow PAer. Much success in your debt free life!
                    Filed Ch 13 Fall 2013, 60 month plan


                    • #11


                      • #12


                        • #13


                          • #14
                            Filed ch 13 03/2012. Final payment made 03/2015. Discharged 8/04/15!!!


                            • #15


                              Unconfigured Ad Widget