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

Being Served and Not Working!

  • Filter
  • Time
  • Show
Clear All
new posts

  • Being Served and Not Working!

    I heard banging on my front door tonight and by the time I got to the door, whoever it was had gone. I am pretty sure I am being served by a creditor. I've been expecting it. I am petrified because I am not working so I can't pay them and I can't afford an attorney. Need advice on how to deal with this. My nerves are shot.

  • #2
    Don't ignore it.
    Not all those who wander are lost....

    --J. R. R. Tolkien


    • #3
      STAND TALL. Don't be petrified. They can't put you in jail or do much of anything to you.
      Just answer the summons when it comes. Tell us when you get it and the pros here will guide you through.

      Sometime down the road you'll file bk and void any judgments. Meanwhile, remember to breathe. YOUR survival and that of your family comes first. The creditors come in a very very very very very very very very very very VERY.... distant second. Did I say VERY lol? Make that umpteenth. Don't give them an ounce of your life's blood until you have yourself in order.

      Breathe, meditate, walk, laugh, do whatever you have to do to keep hanging in there. Vent here as much as you like. Take back the power.

      Keep On Smilin'


      • #4
        Yes, please refer to the above advice, and DO NOT panic. Be calm, take deep breaths--the earth is NOT going to open up under you and swallow you. (I had that feeling also. I learned the hard way that this does not happen.) The sun still rises the next day, and so on.

        You deal with the situation when it happens. If and when you are served, let us know, and we will 'walk you through' the process of what you need to do next.

        {{{{Sending you calming thoughts for tonight.....}}}}
        "To go bravely forward is to invite a miracle."

        "Worry is the darkroom where negatives are formed."


        • #5
          The sheriff who served me as very nice and professional. They get irate when you try to avoid them, like doing things like making them come more than once, slam doors in their faces, close the curtains and hide even though they know you are there. They will be nice, calm, and polite if you are. In a sense, you receive an invitation to a hearing. You are supposed to go, but it is a free country. I was stupid and did not go because I was too embarrassed to even ask what to do. Believe me, I have cried buckets of tears due to shame and fear. Four months later they sued me for a huge amount that I do not feel I actually spent. What I should have done is to answer their letters, telling them to prove it, give me actual documents. I thought I owed 4000, they sued me for 10000. Nothing like this will ever happen to me again. Listen to these people they have experience, and if you are unemployed and have no where to turn, contact the free lawyers (legal aid) from your state. They help you an awful lot, but they also motivate you and keep your priorities straight.

          Remember-- there is Free legal aid for people who make below a certain income. Also read the NOLO book they have a free download of on this site in a sticky somewhere. (Hopefully you have read it already) Get to know what you are dealing with and you might feel less fear.

          As they said in the great Frank Herbert Novel "Dune" -- Fear is the mind-killer... and it is true, the only thing you have to fear is fear itself. Since I have been unemployed and under employed during this whole fiasco, no one has really expected me to pay anything--
          Not all those who wander are lost....

          --J. R. R. Tolkien


          • #6
            My attitude, which worked well for us, was "Why make it easy for them?". We weren't jerks, we just managed to avoid service by having a gate limiting access to the front door, and keeping the car in the garage. So, finally, they had to serve us by publication. We avoided service from the mortgage company, and two credit cards. The benefit was that it put off getting legal proceedings going until we were ready to file. We had one judgement that was set aside as it was finalized after our filing Chapter 7. If we had made ourselves available, we would have had numerous judgements or we would have had to file the BK before we were ready.

            An important caveat, though: you have to watch the site of the local courts as they list all their actions.

            As an aside, one of those photo-enforcement cameras "got" me. They mailed the citation to my home. The thing is, it's not legally a citation unless it it served to you personally. I just happened to not get served for that one, and in 120 days, it "went away".

            There are always holes in the law, you just have to find them. And there is nothing wrong with following the law as it is already written.


            • #7
              Spearmint, relax. Even if they sue you, what's the wost case scenario? If you don't have income, and little or no assets, then you have nothing to lose. If you go to court - so what? Even if the judge rules against you, they can't squeeze blood out of a stone, so don't worry.

              When we stopped paying our minimums on all credit cards, they started calling us and writing us like crazy. I would get buckets of mail every day. I didn't know much about bk option then, but I was looking for a way to have a peace of mind, so I decided to ignore all letters and calls unless we actually get served. I was just taking it one day at a time, and decided not to think of it another second until an action on my part is required.

              You won't believe how much better and more at ease I started to feel. I just went on with my life, and threw it out of my mind. It took them a year and a half to serve us. And after I got summons, then I took action, answered it, and immediately explored all our options. Bk was the smartest move at that point, so we went that route.

              I'm telling you my story just to show you that being sued is not the end of the world. If you really have nothing to lose, then you have an advantage over them, as there is nothing they can do.


              • #8
                My advice is to not answer the door. You have NO job so they can't go there and they can't do a thing until you are served. My wife's lover did that for 8 MONTHS and there was NOT A THING we could do about it. They can even see you inside and unless they talk to you it's NO GOOD. Wave at them, tell them to kiss your whatever but, DON'T LET THEM SERVE YOU until you are ready, willing and able. Cost them money each time BTW...


                • #9
                  If you don't have the money to file for bankruptcy find an attorney that will take payments for bankruptcy lawyer fees. He will file the paperwork and that will put the creditors on hold. If you don't have the money you can always file by yourself (per se). Find a book on how to do it.


                  Unconfigured Ad Widget