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

Just lost job and filing

  • Filter
  • Time
  • Show
Clear All
new posts

  • Just lost job and filing

    I just lost my job and was planning on filing anyways. However, how will being unemplyed effect my BK? I'm planning on moving within the same state soon. Less expenses. Therefor let my aptartment lease, credit card bills, unsecured loans all go in the BK. I was under the means test but do I even have to take one now? Things are so hard lately. OH and if I reaffirm my car payment of 390 will it pose a problem?
    9/22/2009 - officially filed chapter 7
    11/03/2009 - scheduled 341 - COMPLETED
    01/04/2010 - last day for objections
    01/11/2010 - DISCHARGED & CLOSED

  • #2
    Yes, the means test is step 1. Step 2 is filling out schedules I and J to to determine if you have dispsoable income.
    How are you going to make a car payment with no job? I doubt your lawyer will sign off on a reaffirmation agreement unless they're sure you can make the payment.

    I'd put off diling until you have a job with health insurance benefits. You don't want to have a serious illiness uninsured and have already played the bk card.


    • #3
      I am unemployed and I just filed. More than likely if you have no income coming in - you will fall under the means even if you are getting unemployment which normally doesn't pay enough for anything.
      I think it would make it easier - you obviously have less money for the creditors to take from you if you have no job so I think it can make it less of a hassle. Unles you have money coming in from other sources. I had some 401K money that went as income but other than that I have zippo for the creditors to take from me.

      A word about moving though. I think you need to be at your current address six months before you file. At least I had too - so you might want to be careful about that but as long as you are at least in the same state I think you should be OK. I was in living two different states in the past two years so that can be tricky with the exemptions. I had just been back to my current state for six months before I started the process. So I had to use that 2.5 year rule but still end up under my current state for exemptions since I had moved back and forth.

      Keepmine made a comment about health insurance. My lawyer asked me about this too - stressing that if I something happens after I do the BK I wont be able to get rid of my medical debts - for me, I haven't had health insurance for 3 years now. I am pretty good health myself because of my diet - I never have to go to the doctor - but true that you never know what will happen. But for me, waiting to get a job - it just didn't happen. You can never know - but you have any big ongoing health issues I would keep that advice in mind.
      "I broke, I broke, it's off to Chapter 7 I go"
      1st meeting w/ Lawyer: 4/3/09 * File: 4/30/09 *341: 6/23/09 * Discharged 8/25/09!


      • #4
        I was also thinking of filing where I am now then moving. Possibly back in with my parents in a different state until everything settles and so fourth with the economy. Would I have to wait until after my 341 to move? Since I won't be paying rent at my parents, utilities, etc I could save up some money. I would just have my car note wich is only 390 a month.
        9/22/2009 - officially filed chapter 7
        11/03/2009 - scheduled 341 - COMPLETED
        01/04/2010 - last day for objections
        01/11/2010 - DISCHARGED & CLOSED


        • #5
          You said you were just unemployed.
          You are aware that the last 6 months of income counts for the BK are you not.
          I know that's not fair but that's what they do. You may be in for a surprise.


          Unconfigured Ad Widget