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

Money deposited in my name after bankruptcy is discharged

  • Filter
  • Time
  • Show
Clear All
new posts

  • Money deposited in my name after bankruptcy is discharged

    I was discharged from my ch7 last November. A couple weeks ago my fiance' had a situation where his ex had access to HIS seperate bank account online. She called asking what the money was. (sigh) It was not money he was hiding or anything like that, just so you know.

    He had taken his info off of their joint account and she was supposed to close it and they were to reopen seperate accounts. He held up his end of the bargain and she didn't. When opening this account he even spoke with the branch manager and asked if he opened the account would there be any way at all that his new account would inadvertently link to their old account since his social security number was in their system previously. They assured him over and over again this wouldn't happen. WELL it DID happen! He had even called to verify the accounts were not linked and was told they were not.

    Soooooo, he closed his account and we opened another one in my name and he deposited all of his checking and savings into my name for now.

    Will this money that really isn't mine, but now is in my name cause me any problems??? So frustrating. We were going to just close it and go to another bank, but the manager said if I opened an account, we'd get $200. So, I figured, why not? I totally wasn't thinking it could possibly affect my bk in any way until that evening and I started freaking out. Figured the money's in my name now, damage done. Is there any damage to having done this???

    I really hope not. I've been unemployed now for well over a year and have no income at all, had to walk away from my home that was included in the bk and just want to know if this money in my name now is anything I should be concerned about. We are going to close the account and transfer the money back in his name (at a completely different company) after the $200 is credited. I don't feel comfortable having that much money in my name. Especially when it's not mine. Yes, we are getting married, but until then, I don't consider the money mine, he doesn't care at all.

    Thanks for any advice. I haven't been on here in a few months.
    Filed Ch 7 July 23, 2009
    341 over September 21, 2009
    Discharged November 23, 2009 (received papers November 27, 2009)

  • #2
    This is all post your 7/23/2009 filing? I mean, you didn't deposit that money into your accuont until after 7/23/2009? If so, there are absolutely no problems whatsoever. Even if it were prior to 7/23/2009, you'd just need to prove that it wasn't your money, or that you had no equitable interest in the money.

    As a public service message... never ever co-mingle money with someone to whom you are not married. Even if you're getting married and a date is set, just don't do this. If you do need to do this, have a separate "household" account in a neutral bank. As you discovered, accounts are tied by SSN and not account number. This happened to me where I put a friend on "ONE" of my checking accounts -- a household account -- at the same bank as my 2 major accounts. She ended up with access to ALL my accounts, not just that "one", and she transferred $1,500 from one of the accounts one day into the "joint" account. All legal, but not authorized by me.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    I am not an attorney. Any advice provided is not legal advice.


    • #3
      Hi justbroke,

      Yes, this was all literally 2 weeks ago. Thank you for your response! That's a huge relief.
      I had told him a long time ago that he needed to open an account at a completely different bank association because of this very thing. He didn't listen to me and said he used a different bank, when he really meant "branch".

      He's getting pretty tired of telling me I was right. LOL! OH well, thanks again and good to know I don't have to worry about it. Whew! I have enough to worry about with my now vacant house 600 miles away awaiting foreclosure.

      "This happened to me where I put a friend on "ONE" of my checking accounts -- a household account -- at the same bank as my 2 major accounts. She ended up with access to ALL my accounts, not just that "one", and she transferred $1,500 from one of the accounts one day into the "joint" account. All legal, but not authorized by me."
      THAT was exactly what I was afraid she'd do too! I told him that! I said, you better close that account ASAP or she'll transfer that money to one of her own accounts and you couldn't do a thing about it! Wow! So sorry that happened to you!!!
      Thank you again for your response!
      Filed Ch 7 July 23, 2009
      341 over September 21, 2009
      Discharged November 23, 2009 (received papers November 27, 2009)


      Unconfigured Ad Widget