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.
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Something completely non-bk related

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  • Something completely non-bk related

    Right now, I am one of the happiest people on this planet. I never share anything “personal” but this time I must because bkforum over the past 5 years has become part of my family.

    In a few of my posts I have made references to having horses. Horses have always been my constant life equalizer. They are not just pets, they are my partners and have been so more than 20 years. Two weeks ago I had my vet out to check on one of them (the younger one) due to a sinus problem. The report was not good. Most likely a tumor. A few days ago I hauled her to a clinic for further diagnosis. A hole was drilled into her head and fluid was removed and sent out for pathology. The outcome could have been one of three things: 1) a tumor that may or may not be malignant (very, very bad); 2) a cyst (very bad); or 3) an infection (bad). Needless to say I have been a complete basket case for the past two weeks as I am also dealing with an ailing (human) family member.

    Today I received a call from the vet. To my delight, pathology confirmed that my horse has an infection, the least life threatening outcome of the 3 possibilities. While she is not out of the woods yet since we do not know what kind of infection she has and, therefore, how to treat it, I am, for the first time, optimistic that she will pull through, even if it requires a bit of surgery to clear up what ails her.

    You cannot imagine how “relieved” I am that my large furry partner does not (at least right now) have a death sentence. She may have a long road to recovery but, I am now confident that “recovery” is in the cards - something that just yesterday seemed beyond the realm of possibility.

    Thanks for reading and caring (as I know you all do).


  • #2
    I am glad the news was good, but sorry to hear of what you are going through. Best wishes, love and healing thoughts to you and both of your ailing family members!
    LadyInTheRed is in the black!
    Filed Chap 13 April 2010. Discharged May 2015.
    $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!


    • #3
      What a wonderful outcome to such a scary situation. I understand totally. My dogs are my family members too, and when they have something wrong it is very upsetting and causes stress and upset. When you get results like you do life is wonderful. I'm very happy for you and extremely happy for your horse. You deserve to be the happiest person on the planet. How lucky the horses have you and vice versa. Thanks so much for sharing, you've provided an example of life being so much more important then worrying about money problems - it's about living and caring and being with all of those we love in a healthy, happy situation. I needed a pick me up like this tonight..thank you!
      Filed Chapter 13 - 07/20/12
      Discharged 8/2/16


      • #4
        Awww very cool Des. So happy it wasn't devastating news! My dd has two horses and a mini donkey! She has had horses all her life and they are her life along with a dog, and two cats too. Prayers and good thoughts coming from Fla to you for a full recovery!


        • #5
          Good to hear the good news. Even though there is more to overcome at least you can get your head around it and understand more what is going on with your loved one.
          11/23/'10-filed ch 13. 1/6/'11-341, confirmed. Below median. Plan completed 11/30/2015. DISSCHARGED 4/4/2016.JP


          • #6
            Thank you all for your well wishes. Gotta just love bkforum!



            • #7
              So glad to hear this news Des! Will keep your "baby" as well as family member in my prayers.


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