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

First Day Not Paying Credit Card

  • Filter
  • Time
  • Show
Clear All
new posts

  • First Day Not Paying Credit Card

    Well, yesterday was the first day I have defaulted on paying a credit card. It was Discover, so we will see how long it takes them to contact me.

    My hubby and I are one of those who have been paying minimums for some time now. We finally decided we couldn't keep up with those minimums anymore. We consulted with several attorneys and chose one last week. We plan to file Chapter 7 next week, before we even miss payment with Bank of America or Citicard, so hopefully we won't hear too much from them with regards to the annoying phone calls.

    Anyone have any info on how aggressive Discovercard is?
    Filed Chapter 7- May 5, 2009
    341 Meeting- June 22, 2009
    Kept house, all credit cards discharged in August 2010.

  • #2
    I let the majority of my cards go months ago, but tried to keep up with a few-one of which was Discover. I was late as of the 9th, I made it about 4 days before they started calling. They call me 6 or 7 times a day now.
    Filed 5/29/09
    Discharged 9/14/09


    • #3

      Wow- that's crazy! I wonder if they will leave us alone after I tell them I've filed Chapter 7. Do I just tell them that and have them contact my lawyer? I defaulted on the 17th (Tuesday), and we will file Chapter 7 on Friday, the 27th, so I guess I should prepare myself for some phone calls......

      This is kind of weird for me because I've always paid bills on time...
      Filed Chapter 7- May 5, 2009
      341 Meeting- June 22, 2009
      Kept house, all credit cards discharged in August 2010.


      • #4
        Your not alone in the boat...we all paid our bills on time until we didnt..Have you been reading this forum much? The more time you spend reading up on everyone you'll see we're all in the same situation more or less. Good luck and dont sweat the calls..the way you've planned it, you wont get many really


        • #5
          Once you file BK, have a case # etc, and they are notified of that they cannot contact you......doing so is a violation of the court automatic stay. Now the court might overlook them doing it once, but violations are like 1k a pop.....usually need several to prove the case
          May 31st, 2007: Petition Filed by my lawyer
          July 2nd, 2007: 341 Meeting Held
          September 4th, 2007: Discharged and Closed.


          • #6
            We stopped paying mid-January... Menards called right away (which was our smallest debt!) No one else called til 2 payments were missed... Got 7 calls today from someone - didn't leave a message so not sure who.. We are filing Friday.

            You should be fine


            • #7
              only 7 ? Lucky you lol..This 505 number calls serveral times with only 2 minutes between calls..cant remember if its boa or citi they all run together these days.


              • #8
                I quit paying in February. Paid my $100 retainer in March but can't file for several months. Started giving my out my attorney # to all calls and they have almost stopped. I usually only get one or two a day. Sometimes I answer and give the lawyer info again. I refuse to discuss the debt....only to say that my attorney is handling all of my financial issues now, "please call him." Then I politely hang up.

                I know this will sound stupid, but with all of the job losses, I know that there are many people doing the collections only bacause thay NEED a job. I don't fault them for that. They are just following the directions of the companies they work for. That is why I don't give them grief. I just end the call quickly and politely. And besides....for the ones that are obnoxious, I don't want to waste my time stooping to their level.



                • #9
                  If you are filing chapter 7. Don't pay those credit cards. Save your money for your household expenses, and a lawyer. The first thing my lawyer told me was to stop paying on all my cards. It's scary at first, and yeah, the calls come all day long. I turned my ringer off. Only took calls on cell phone. It is very stressful, but the light at the end of this tunel is: no credit card debt. It is a great feeling!!!


                  • #10
                    Discover started calling me at 4 days late, then within another week it was 5-7 times a day. Brutal. Same thing with my wife's, but she just gave them our attorney's name so well see if that slows it down. They gave her a guilt trip "we gave you a loan in good faith" blah blah. She just repeated our lawyers name and number then hung up.
                    Ch. 7
                    Filed: 05/07/2009
                    341: 07/01/2009
                    Discharged AND closed: 09/29/2009


                    • #11
                      Of 15 credit/retail cards, Target was a pain within 1 week of first ever late payment. PLUS, they would call at 8:31am every day for 3 weeks until I gave my attorneys info. then stopped totally. Now chase, which was one of my favorite mastercards had a rude a**hole call me and when he asked WHY I wasn't working and I said I'm "fighting cancer right now" he said "oh yea, right".
                      Jerk. From that point on I had no regrets not sending anyone anything.


                      • #12
                        I was never late, always paid the mins, until a few weeks ago. I felt so guilty! I decided I did not want to even engage with my creditors. I had to totally detach. This is your legal right and why you hire an attorney. I've suffered so much in the months leading up to this- feeling horrible, beating myself up. I did not want to be made to feel more horrible by some idiot working for $8 an hour.

                        I got calls from Citi about 5 days after the due date. They call about 3 times a day and caller I.D. always shows who it is. Others are calling as well. I don't answer if it shows "restricted". I have the phone next to me and I just unplug it as soon as I know it's a creditor. You don't have to speak with them at all if you don't want to. Remember, this is a business decision for your life.

                        I mailed out a letter to my creditors, from my attorney, registered mail, stating that I was filing chapter 7 and they needed to contact me through my attorney. She filed last Monday.

                        I got two "live" calls today, so I'm assuming they received MY letter, but no case #/letter from court yet. It may be their last ditch effort because they know they're not allowed to call after the court sends them a letter (automatic stay, I think is what it's called).

                        Relax, have a glass of wine, and unplug the phone.
                        Filed chapter 7 3/19/09
                        341 Meeting 4/13/09
                        60 day club!


                        • #13
                          Also just an FYI if a collector calls you and you tell them to not contact you and ask for a supervisor most banks will stop calling you. I work for a creditcard company (lol I know, right?) and we have a policy we follow and if our card holder tells us to stop calling we take them out of our auto-dialer for 30days. I know not all banks do that but most of the time if you ask for a supervisor you will receive fewer calls immediately


                          Unconfigured Ad Widget