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

question about deed

  • Filter
  • Time
  • Show
Clear All
new posts

  • question about deed

    I called the deed office where my house was foreclosed on and the lady told me my name came off the deed in the sheriff sale but when I look online there are 2 documents at 2 different dates.. It says under document type "sheriff deed" 04/2012 and then there is another one with document type "mortgage discharge" 08/2013........I'm guessing the mortgage discharge is when it came out of my name, any thoughts from anybody???

  • #2
    I think it came out of your name on 4/2012. 8/2013 could be when they finally recorded a document to remove the lien. Or, it could be when the new owner paid off their mortgage. The only way to know for certain is to get copies of the documents.
    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
      I know somebody bought the house in Aug 2013, like you said I'll have to get copies to know for sure.


      • #4
        as long as the deed is out of your name you are fine. most counties in most states the information is on line and you can pull them up as PDFs and make your own copies. it is apparent by the description you state that the bank foreclosed and then resold your old home, that is exactly when the deed transfers and is recorded in the new owners name. also, if your mortgage was IIB the bank most likely then did the right thing and also indicated a cancellation of your mortgage, when that happened you should see on the document. you are lucky as far as what i have seen.
        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


        • #5
          So my 3 year clock started when the house was sold correct? I had to order them so it will be a couple of days before I get them.


          • #6
            its hard to tell tigerman. was your mortgage a government backed loan? i ask this, is because although there are a few conventional lenders out there, they are far and few between. you must call and find out when your name was put on the caviars (no fish eggs involved here lol!)(800) 225-5342 list to find out when you would qualify again for anything government backed. ow that's not the direct number but i think they would be able to get it for you. the only i know able to get anything not backed on this forum was logan, another forum member. recently we just purchased another home, and i wanted to apply for a small amount for upgrades the amount was 30k and we were paying 100% down. i was slapped down by everyone, then of course after we closed i rec'd calls back from the exact lender telling me they have to wait until my caviars number is up is now offering me a mortgage. wonders never cease. so it's the luck of the draw as far as i'm concern.

            we had our bk 5 years ago, but no foreclosure still...according to the list we still have to wait until 2016. i don't have the phone number i called, but i think this number may be able to get you to the right place it's (800) 225-5342. that's FHA and they will be able to tell you how to get your caviars number now one would ask where the heck that got my count down date, well it was just simply arbitrary as chase may never foreclose, but we are on that all important list if we ever need it.
            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


            • #7
              It was a freddie mac loan, seems like I remember somebody posting a number you can call to see if you are on the caivrs.


              • #8
                yes, make sure you do that...that is your clock per sa. i think i posted the number a bit ago, but can't find it just google freddie mac caviars) or call HUD, they will have it for sure.
                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


                • #9
                  Originally posted by tobee43 View Post
                  yes, make sure you do that...that is your clock per sa. i think i posted the number a bit ago, but can't find it just google freddie mac caviars) or call HUD, they will have it for sure.
                  "caviars" LOL! (I don't normally point out typos. But this one made me laugh. Couldn't resist)
                  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!


                  • #10
                    LOL!! i must be the worse typist in the world...NO FISH EGGS!!!!!!!! it is LOL!! CAIVRS

                    thank you Lady for helping me out here!!
                    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


                    Unconfigured Ad Widget