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.

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Things you agree not to post:
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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.

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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.
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Broke, unemployed, desperate

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  • Broke, unemployed, desperate

    Hello , I have a question. I have been in serious debt for about 2 1/2 years now and at the present time I am unemployed. I had a stretch of bad luck, I had 3 accidents in the last year, the last which caused me to loose my my job at the adult bookstore I do not have any property except for a 1971 ford Pinto and it has about 180,000 miles on it I now have 2 lawsuits due to those acidents, If I was to file for chapter 7 would they try to take my settlement money when ever I receive it?
    Also I went to the grocery store and while there ran into an old friend. The next afternoon when I got home I realized I forgot I left the bath tub filling up with water, I live on the third floor of an apt bldg, and the water went through the apt below me, then flooded the garden level apt. Niether person was home below me. I think there might be $40,000 of damage according to the landlord. If so is there any way that I could get around collecting the lawsuits, but bk any judgement for the apt? Also how much time would have to pass so they wouldn,t take my settlement award?

    thanks Paul
    from "Missouri, the show me state"

    hey what happened to bk filer, liked his posts
    Last edited by Minnymouth; 03-30-2006, 02:30 PM.

  • #2
    I think this post has very inappropriate content.

    (Taken care of for you and everyone else,)

    Last edited by Minnymouth; 03-30-2006, 02:39 PM.


    • #3
      Originally posted by 13inOR
      I think this post has very inappropriate content.
      Sorry, guess thats freedom of expression, my apologies, please accept.
      Don't want to step on my foot since I just joined.

      (And we don't want to ban you either)
      Last edited by Minnymouth; 03-30-2006, 02:40 PM.


      • #4
        Hope you "get the message" regarding content of your postings.

        As to the lawsuits, if you file bankruptcy and have lawsuits pending with settlements to you, then the trustee will be standing there with open arms to collect for your creditors. Anything you inherit, win, etc is an asset for you to give the creditors...

        All though some injury settlements are not considered assets (only your attorney can tell you which ones) and the trustee can't touch them...

        If you get a judgement against you regarding water damages to the apartment before you file bankruptcy, then you will have to get this settled separately from your bankruptcy. The debt can be erased in BK but the judgment will not. They are handled differently.


        "It's amazing the paths that our feet sometimes follow in life".

        My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.


        • #5
          Thanks, Minny! : )


          • #6
            good news the landlord is not going to sue me, although because of what happened he said I am being evicted shortly. Said the insurance company that paid for the damages insisted. Also I won't be getting my deposit back. Also I might be getting a job at A&W Rootbeer. I will be working the grill. My life is getting better. Boy wish I could get a cash advance, but I know I am going to file someday, so I won't. Thinking about dumping the Pinto, and buying from one of those pay as you go places, figure if I can't make a payment and drive the car for three months I can give it back during bk.
            Last edited by queerguy; 04-11-2006, 09:28 AM.


            • #7
              Glad to hear your not getting sued over the water incident in the apartment...... guess its back to mom's house, huh!
              Glad to hear you found a job also.... maybe things will start to look up and change around in your life for you.....
              Best hang onto your little car for the time being unless the payments are dragging you down.....
              Buy here, pay here places may ask you to surrender a different car if you file bankruptcy..... right after buying a car from them....

              "It's amazing the paths that our feet sometimes follow in life".

              My suggestions are from "personal experience" and research only. Do not consider this as legal advice. Each bankruptcy case is different.


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