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

Address Updates for Company that no longer exists

  • Filter
  • Time
  • Show
Clear All
new posts

  • Address Updates for Company that no longer exists

    We received a notice from the court that we have an undeliverable address on our creditor list. Okay, no big deal. These things happen, usually the result of expired forwarding orders.

    In our case, we have a creditor that is no longer in business. The Feds shut them down for fraudulent activity (taking ACH payments without proper permission). The forwarding order on the last address I had has expired. The new address listed (to where mail used to go) is now a different company that has no connection. There is a company that took on some of the deposit and loan accounts and they told me they do not have our account and couldn't offer me any more information. Thing is, it's still sitting on our credit report, with the old undeliverable address. There has been no activity on that entry since 2010. The feds officially shut them down in 2012, I think.

    I'm pretty sure I can just dispute the entry it it will fall off our credit report. Nobody seems to be able reach anyone to verify the debt, and the trust that took over it's accounts has no record of me. I suspect that our account was part of the fraudulent accounts.... as we were impacted by their activity. But, that's a different story. We did take out the loan and we did owe the money.

    I'm thinking we should update the address to that of the liquidating trust and leave it at that even though they told me they don't have a record of us.

    Any other words of direction?

  • #2
    Okay, as an update to that... we got a second letter today from the court. An amended one listing the creditor mentioned... but this one has an additional creditor, only this is a collection agency that no longer exists. The original creditor they were acting on behalf of is properly listed on the petition, so we have it covered. I looked them up and it seems the state revoked their license (now there's a shocker) for illegal collection activity. So, really... they're irrelevant.

    I can't update the address to a new one. So... I'm thinking just leave it alone and just notate that they're out of business?


    • #3
      I would list the original creditor and the address, then append a note saying that you have posted the last information that you have available. Add to that, the notice that you have that the Creditor is Out of Business.

      That should do it.
      "To go bravely forward is to invite a miracle."

      "Worry is the darkroom where negatives are formed."


      • #4
        That's what I was thinking, too. The original creditor was listed, and they are already aware of our filing. For this second address, that what I intend to do.

        The first one... well, the original creditor is out of business, so that makes it more difficult. We've decided to just update the address to the liquidating trust handling the original creditor and let them deal with it. We may also notify the federal court that put them out of business, too, for information purposes. I can tell you that they don't have a record of our account, though, nor does the liquidating trust. I have all I can do is just notify them and let it go. It's not my fault they can't find long as we make a good faith effort, I think we've done our part.

        On a side note, we may end up hiring an attorney prior to our 341 hearing anyway. After talking to several attorneys in consult, all of them have suggested we try to have student loans discharged because our situation meets the requirements and our local court is usually quite amendable to it, provided the debtors show good cause. I'm not sure I feel comfortable bringing an adversary proceeding for that pro se, though.... if we choose to do it. It can't hurt to try, of course, and I'm 99% sure at least some of them could be discharged because of disability and other factors. We've been told it's likely all of them would go. That sure would be nice.


        • #5
          A small update here just for future reference if anyone has this happen... we've had a few others returned. Every single one of the ones returned are for collection agencies/assignees that are no longer in business or have changed names or moved to another state. Two of them (including the one I mentioned above) are entities that were shut down by the government for illegal collection practices. In each case the original creditor is also listed in our filing and is already aware of our filing -- so the debt is definitely listed and claimed. Additionally, since we are a no asset case there is no real concern in any of them coming back to cause problems since the debts will be discharged and it's done.

          Under advisement of an attorney firend who has given been giving me some basic procedural information regarding local rules (he is not representing us or giving us advice.. just a heads up regarding procedural things), we are simply going to be filing (for these agencies out of business) a notice of address unavailability for each one we cannot locate, and briefly explain why it cannot be located. It will also contain an acknowledgment that no further notices shall be mailed to said creditor by the court. Now, this is only for those that we have confirmed out of business and 100% non-deliverable. Also, given our situation, as long as we can show we made an effort to locate them, then we're good to go since they wouldn't be receiving anything anyway and they are (or were) third-parties to the original creditor anyway.


          Unconfigured Ad Widget