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).

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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.

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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.

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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.

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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.

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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.
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"The Sherrif is coming to serve you papers..."

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  • #31
    Originally posted by NSH View Post
    I disagree, Pandora. But I won't argue with you about it. I will state my POSITION one final time.

    1. Actually, I have had some very good reasons not to file until now, not the least of which includes NOT making enough money to save the BK fees, which in my case will be much more sizable than your standard cookie-cutter $1.5K BK! Everyone has already told me this and I simply CANNOT afford to pay that kind of money yet.

    2. I am NOT feeling sorry for myself or sticking my head in the sand. I know FULL WELL the implications of this decisions and precisely what the benefits and consequences are to putting it off, and I am CHOOSING to get more information, because there may actually be a chance (though a remote one) that much of the debt I have will disappear with time OR that my creditors including the IRS will take pennies on the dollar. True story: About $100K of my huge business debts were forgiven by Bank Of America! That includes a couple of CC's, loans, and lines of credit! BOA basically wrote off my whole debt to them! Who else will do that and who else might I be able to really chisel down? One thing I know is the longer I wait, the longer these credit card companies have to realize that they aren't getting SQUAT from me. In addition, at least TWO LAWYERS told me that after 9 or 10 years (I forget) as long as you filed, your taxes disappear. Now, while I know NOTHING about this, and a tax preparer in this forum states that isn't true (which maybe it isn't, I don't know) it is worth researching.

    3. Since I kept such HORRIBLE records, even though I made no money from my failed business, I DO NOT want to be audited for those years by the IRS, if it is at all possible. So the longer I wait (hopefully) the more "other years" they will have to audit me for and not the ones while I was in business.

    Now you guys can be nasty to me all you like. Hell, I even get it. This is your sort of Internet version of "tough love" which you believe is for my own benefit. Kind of like hazing the new guy in an anger management class to get him to lose his temper and realize he has a problem he isn't seeing. I get it. You think I am not aware, hiding from the truth, or feeling sorry for myself.

    I'm not. So if you guys want to gang up on me and make categorical assumptions, (shrug) that's fine. I am not going to lose any sleep over getting "ganged up" on in a forum and everyone taking the moderator's side. Hell, you can even ban me from the forum if you like. But I have delineated my situation clearly, and I firmly believe that this is the right course for me, and YES, the questions I asked I wanted answer to, which, thanks to a few very helpful members, I received.

    So I am WELL AWARE of the dangers and benefits to what I am doing, and your "tough love" approach is not going to convince me of anything. I am, however, open to TALKING about this and discussing it, as well as LEARNING from you. But I have taken enough SHIT from my creditors and from my situation, that I can choose to ignore comments that I think are snippy or a little insulting, yes, even if your intent is not to be insulting. SO I now feel I have fully explained my position and I have no need to argue further.

    So thank you for all your help, everyone, and I definitely want to continue talking about this, but I DO NOT want to argue. Seriously, we don't have to be Internet tough guys. Let's try to be nice. That's all I am asking.

    Edit: Look, if I seem NOT receptive to any negative energy, I apologize, BUT at the same time, I am not, at least not about this topic and not at this time in my life. You want to argue tech, music, videogames, athiesm Vs theism, creation Vs Evolution? Fine. Then I am prepared to have a heated debate and deal with any perception of "tough love" you may have. But ask yourself this: If I am not going to be receptive to a certain tone or attitude, which I think I have made clear, then is it really that important for you to "win an forum fight" with me? I am not here to fight and argue, and about this, which is far more personal to me than some of you might be prepared to tolerate, and that is fine. But if you see that a certain approach is causing me to shut down and be defensive, then right or wrong, why not lose that attitude? That's what I would do if I were trying to help someone and not just "win."
    Couldn't agree with you more.


    • #32
      Last edited by ksgirl38; 06-15-2012, 12:01 PM. Reason: posted twice by accident


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