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

Another Santander Repo

  • Filter
  • Time
  • Show
Clear All
new posts

  • Another Santander Repo

    Santander repo'd my 2005 Mazda Tribute SUV with 90k miles on it 3 weeks before I got a great job. I owed 8k on it and it was worth MAYBE 5k. At 12.99% interest and 15 miles per gallon it isn't a great loss to me. However, I am almost 60, single (on my own) partially disabled and unable to stand and wait for buses, etc. I filed Ch. 7 pro se on 6/17 before I knew about the job.

    So here's where I'm at now: I need to report the new income to the administrator (is an administrator the same as a trustee?), and also ask permission to try to find a reputable lender who will lend me enough to buy an 8-10 year old fairly reliable car that I can pay off in 6 months.

    Tomorrow I'm sending back some schedules that I initially missed, can I simply include a letter? Is there another procedure that might be more successful? Anyone have some brilliant strategy?

  • #2
    1. You filed chapter 7 before you knew about the job.
    2. As a result, unless asked, you do not have a duty to "report" the new job.
    3. Post petition earnings are not property of the estate so, unless you are making a ton of $$ your new job has no impact on your case. And, even if you were making a ton of $$ it shouldn’t matter.
    4. You do not need "permission" to take out a loan. Again, since you are in a Chapter 7, post petition debt has no impact on your case. What you most likely do need before anyone will lend you $$ is your discharge. You should get it in about 60 to 90 days after your 341 Meeting, assuming you have taken the 2nd credit counseling class, have filed the certificate of completion, and no one timely objects to your discharge.



    • #3
      Try and rent a car until your case is discharged.
      In the meantime, "loose lips sink ships".
      At your 341, answer what you are asked, volunteer no information.
      Des is the most brilliant person here, listen to him/her.
      filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


      • #4
        WOW! This is great news and wonderful advice. I will be able to pay 5-7k cash for a semi-reliable old Toyota or Honda by September 1st and have NO payments to anyone.
        In the meantime I have seen some pretty cheap long term rentals at the airports. Thanks so much folks!


        • #5
          The only littttlee problem you ll have with a rental option unfortunately is that most of the majors (like the ones at the airport) require a credit card deposit...


          • #6
            If you will be able to pay for a car in cash by sept 1st try to make it till then either renting a car or even trying to pick up a beater off of craigslist for 1000-1500 just to get by.
            Ch 7 filed 8/15/11 341 9/22/11 Discharge 11/28/11
            The rebuilding begins


            • #7
              Some people have access to a "friend's" credit card or in a few cases a corporate Amex.
              filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


              • #8
                My daughter will use her cc if need be but the cheapest rental for 2 months I have found is $1400 (choke, sputter, cough). I get my first paycheck on July 15 but couldn't even get a beater until Sept. 1st. Interesting though, Santander sold my car for $700 more than I owed on it. I asked how soon I could expect a check for the difference....


                • #9
                  you lucked out the fact they sold your car for more than owed. Thats probably why they were so fast to repo it(they knew they could get their money). I was upside down nearly 9k with them (nada value vs loan owed) and at auction they would get 50 percent of nada.
                  Ch 7 filed 8/15/11 341 9/22/11 Discharge 11/28/11
                  The rebuilding begins


                  • #10
                    Don't they have "Rent A Wreck" anymore?
                    filed chapter 13..confirmed...converted to chapter 7...DISCHARGED!


                    Unconfigured Ad Widget