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

Furniture Discharged Through American General

  • Filter
  • Time
  • Show
Clear All
new posts

  • Furniture Discharged Through American General

    My discharge was in Oct 2010. Here it is Feb 2011 and Global company is calling me on behalf of American General Finance. I know it is because they want there furniture back because AGF said they would be in contact with me to pick up the furniture. Here I have moved and its been 4 months not expecting them to call since its a new year and 4 months later. I just have bedroom furniture dresser and 2 end tables. Not worth much its been scratched. Should I call them back? If I do nothing what will happen? Its only worth about 100..I will make sure the dogs piss all over it if they want it back.

  • #2
    Tell them the dogs already have and you've been hoping they'd just come get it to save you the disposal fees at the local dump. It's pretty standard practice for them to give you a call and threaten to come get the furniture. What they are really hoping is that you'll say, "Will you just take a cash settlement?" Let them eat dirt
    Filed pro se, made it through the 341, discharged, Closed!!!


    • #3
      Its not a big deal if they have it but I don't want to be sleeping on the floor. So silly they want to fight. They did not show up at the 411 meeting. I think it may have been mentioned if I was willing to surrender furniture in 411 meeting which I didnt think they would. The furniture is 3 years old.


      • #4
        American General is one of the meanest companies you can be involved with.

        Send them a copy of your Discharge Order and tell them that their debt has been discharged, and that they are violating Federal Law by bothering you. (This was included in your BK was it not?). Your DO should have the applicable law somewhere on it; quote that when you write your 'cease and desist' letter.

        Send a courtesy copy of your letter, and the Discharge order to your trustee. Keep copies for yourself. Make sure the envelope that goes to American General is Certified mail with return receipt. When that signed green card comes back to you, put it in the file you will be making for 'American General'.

        If they keep this up, contact your attorney, if you used one, and turn copies of your file to him/her. Some attorneys LOVE going after creditors that violate the Permanent Injunction.

        Good luck! Let us know how it goes...
        "To go bravely forward is to invite a miracle."

        "Worry is the darkroom where negatives are formed."


        • #5
          Yes it is included in the discharge. I did not reaffirm their debt. I did however tell them they could have it back before it was discharged. But now it is discharged and it has been 4 months I don't see how they are right to it. My discharge just says I am granted a discharge and creditors can be in violation with contacting me. I hate having this stress can I just ignore their calls and see if I get something in the mail? I couldn't make out the number to contact the woman she was speaking the number really fast.


          • #6
            This debt has probably been sold to a Debt Collection Agency. Yes, you can ignore the phone calls and wait for something to appear in the mail, then respond to that. Realize that as the debt keeps being sold, this may happen over and over again. It is called 'zombie debt.'
            "To go bravely forward is to invite a miracle."

            "Worry is the darkroom where negatives are formed."


            • #7
              I looked it up and its a trucking company. They want to schedule a time and date to pick up the furniture. So my debt isn't being sold..


              • #8
                The trucking company CAN be the buyer. They are called Repo Agents. Get your paperwork up and off tomorrow first thing. Good luck.
                "To go bravely forward is to invite a miracle."

                "Worry is the darkroom where negatives are formed."


                • #9
                  Oh I see. Thanks for the reply. This is all so complicated.


                  Unconfigured Ad Widget