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

Should I file an extension if my state taxes are discharged in a bankruptcy?

  • Filter
  • Time
  • Show
Clear All
new posts

  • Should I file an extension if my state taxes are discharged in a bankruptcy?

    Hi there!

    I'm almost sure that my state taxes have been discharged in my chapter 7 bankruptcy. The state said they are mailing me out a letter in regards to this. There should be no reason why they shouldn't. All the rules allowing them to be discharged were met with the state. I need to file my taxes or an extension ASAP because I'm going to owe the IRS and need to obtain a loan to pay them what I owe. I'm wondering if I should get an extension however because I believe I may be due a refund from the state. Even though my state taxes are likely discharged there is still a lien against me. If I don't file an extension in order to remove the lien will they still give me my refund or will they keep it even though the taxes were discharged in bankruptcy but there is a lien against me? The only property that the lien is for is for my old 1999 car that has over 270,000 miles on it. Of course if they didn't remove the lien for some reason then they also don't have to renew my driver's license in 2015.

    Thank you so much for your help!

  • #2
    I don't see the reasoning behind not filing your Fed. Taxes because of the state tax lien.

    I don't know how things work in MD, but NJ is awful to deal with, and nearly impossible to get any kind of accounting, unlike the IRS that sends statements every month. I BK'd a NJ tax lien which met the criteria for discharge. A year and a half later, I was still wondering if it actually was discharged. The status on my credit reports still just says filed, and I decided to let that be, and not fight to have it updated to satisfied, (I tried once, and it came back verified) because it is due to fall off next year.

    Anyway, I filed my taxes in Feb., and what a surprise to actually get a refund. They've been keeping my refunds for years, so this was a first. I'm now assuming that somewhere in their system I no longer owe money and the debt has been discharged.

    Does MD actually place a lien on a vehicle for income taxes?


    • #3
      Hi again,

      The only reason to file the federal extension is that in the state of Maryland when you file a federal extension a state one is automatically filed once you have filed a federal one. I guess if I go get them done by a professional than they can just do an extension for Maryland.

      Yes, they place a lien on vehicles. In fact, I paid an attorney $900 who wrote one paragraph to the state of MD with my long letter regarding my illness and how I need my car to get to doctors visits and to get my son to school and back just to get my tags renewed. The attorney really took me for a ride. In any case, Maryland also didn't allow me to renew one of my professional licenses. I had another professional license that meant a lot to me that I was sure that wouldn't allow me to renew so I didn't bother and come to find out it actually went under their radar. Now one of the licenses I worked so hard for is gone.

      I'm wondering if I should just file both and see what happens? If they keep my refund than they should definitely release the lien because it would be for more than what the car is worth.



      • #4
        In many of the states, if you file an Federal extension it is viewed as having a state extension - As long as you don't owe any state income tax. If you owe the state when you actually file your taxes,the extension is considered invalid.

        Also, if you do the owe the IRS, try to send something in with the extension to lessen the late payment penalties later. You can do the Federal extension yourself - form 4868 - the instructions and forms are on the website.


        Unconfigured Ad Widget