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

Spending the tax refund - questions

  • Filter
  • Time
  • Show
Clear All
new posts

  • Spending the tax refund - questions

    Whenever we get the refund (prior to filing), we plan to spend it on:
    1. Quarterly federal tax payment (Husband is self-employed)
    2. Quarterly state tax payment
    3. Orthodontia for our son (he has teeth growing sideways, not down; we have been waiting it out hoping that it would self-correct like one side did, but it has not, and it's been over the 6 months they suggested waiting)
    4. Possibly paying utilities - can you "pay ahead" a month or two? Or can you only pay what is current? For instance, our garbage bill is $25/month -- can we pay say 3 or 4 months' worth, or just one?
    Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
    "What I won't accept or buy any longer is that my credit score defines who I am. Screw that."

  • #2
    Your plan is safe.
    Well, I did. Every one of 'em. Mostly I remember the last one. The wild finish. A guy standing on a station platform in the rain with a comical look in his face because his insides have been kicked out. -Rick


    • #3
      Thank you --

      Is it okay then to pay ahead? I've got a horrendous insurance premium of $440/month for just myself. It'd be nice if I could pay say 3 months of that, so I don't have to worry about it for a few.
      Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
      "What I won't accept or buy any longer is that my credit score defines who I am. Screw that."


      • #4
        horrendous insurance premium of $440/month for just myself. ...good grief!! I will stop complaining about mine right now....

        Since the tax payments are quarterly, I think paying ahead a quarter would be OK. We did on a couple bills, but they were small like the garbage.

        Need someone paying the big bucks utilities from the Northeast to chime in....anyone pay ahead a couple grand?

        Tom in Colo
        Ch7 filed 5/12/2010.....341 meeting 6/30/ of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010


        • #5
          Hey Tom
          Wanna feel REALLY good? Our insurance went up to 1400/mo for the two of us.
          No dental or vision.
          As to utilities for the self employed, I believe another self employed poster from the NE told me he prepaid his no prob. I would like to think (hope/pray)that when your income vacillates and you may not actually be able to expect anything, that prepaying utilities and mortgage would be acceptable.

          Keep On Smilin'


          • #6
            Originally posted by keepsmiling View Post
            Wanna feel REALLY good? Our insurance went up to 1400/mo for the two of us.
            No dental or vision.
            Gotta love New Jersey...OMG...

            The best of luck to you, with insurance premiums like that you need to hit the lottery...
            No person in their right mind files a Ch. 13 with lien strip pro se. I have.Therefore, please consider me insane and clinically certifiable when reading my posts, and DO NOT take them as legal advice of any kind.Thank you.


            • #7
              Yeah, or go uninsured, as we have done since September.
              I posted recently about starting college just so we could get reasonable health ins. Worth looking into if anyone is in a similar position.

              Keep On Smilin'


              • #8
                To get student insurance or ??
                Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
                "What I won't accept or buy any longer is that my credit score defines who I am. Screw that."


                • #9
                  Yes, to get health insurance at greatly reduced group rates- seems to be my only option here in the land of high prices. Can't get it thru AARP. chamber of commerce, or any of the other groups other states offer.

                  Keep On Smilin'


                  • #10
                    Just look into it carefully, my student insurance covers virtually NOTHING. LOL


                    • #11
                      Originally posted by shark66 View Post
                      Gotta love New Jersey...OMG...

                      The best of luck to you, with insurance premiums like that you need to hit the lottery...
                      exactly why we left!!!!! and never looked back...the cost of everything was terrible. i know my daughter to cover her husband and their two kids it cost them over they couldn't do it...who can?? they moved out of state also and now everything is fine with the healthcare! TG!!!

             the OP...we were advised to use EVER dime of our refund and it was quite large that year since we donated a ton of things to local and state charities...(we of course were becoming homeless in nj...but we could at least get a tax deduction for giving everything away to legit places!) the trustee didn't even ask what we did with it...not one word.
                      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


                      • #12
                        Another question here --

                        My husband has yearly business expenses that come due in Jan/Feb. We have been holding off on paying them until tax refunds arrive. One is $540 the other is $414. Would those be okay to pay from the refunds you think? So far we have only paid my health insurance, we are sitting on the rest until the other refund arrives, then we'll pay the quarterly tax payments and my son's orthodontia.

                        If it's not okay to pay the business expenses, we can juggle to pay that out of the account now and then do things like make the house payment from the refund, to make it "legit" -- if anyone believes the business expenses would raise an eyebrow.
                        Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
                        "What I won't accept or buy any longer is that my credit score defines who I am. Screw that."


                        • #13
                          You should be fine on paying those business expenses. Just save the receipts. (Also don't forget to include those yearly expenses in your filing)
                          Filed Chapter 13 02/2006 - Confirmed 05/2006 - Discharged 09/2011
                          I'm not an attorney. My replies are merely suggestions or observations, not legal advice. As always, consult with an attorney before making any decisions.


                          Unconfigured Ad Widget