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.

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Things you agree not to post:
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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.

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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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What do you do for a living?

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  • #16
    I am a nanny for two boys (10 & 6 ) and a mom to my little girl (4). This forum has helped me in soooo many ways, it truely is a blessing ! Thanks everyone!


    • #17
      I'm a college professor, consultant to non-profit organizations, and mother to a 7-year-old.


      • #18
        I am a Mortgage Banker/Credit analyst/Financial Advisor. Ruff 1st yr thats why the bankruptcy but since then it has been great! The best business to be in, i love helping people in rough situations and setting people up for a great future.


        • #19
          Hello from Ky
          Home of "many hats" - 20 yrs in management, 10 yrs. clerical and retail, and now 10 yrs in govt. office.
          These days "no job" is permanent - Better have lots of skills in lots of areas.
          Nice to meet you all!!!!!!

          "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.


          • #20
            Tax associate (work h&r block) and stay at home mommy to 9mo after tax season. my husband is a CNC Machinist.


            • #21
              I just got a job as an Office Manager everyone! The pay is phenomenal, and i started Wed.
              BUSY running my own credit repair services! Sorry I don't stop in so often any more!


              • #22
                Im A 911 Telecommunicator In A Police Dept


                • #23
                  Congrats Tin and may you be blessed. Good things do come our way. people always say "God sends the rain on the just and the unjust" as though rain was a judgement. They do this in ignorance. In the Old Testament rain was always a blessing from God. May you be drenched... and may the rain always come in due season!


                  • #24
                    Thank you Robivi!
                    BUSY running my own credit repair services! Sorry I don't stop in so often any more!


                    • #25
                      My full time J.O.B. I service industrial refrigeration and heating systems.
                      My part time job I am a legal services broker.
                      Needeless to say if you've read my posts, I wasn't worried about getting an attorney!


                      • #26
                        rlgrace1 --- The "stay at home Mom" is an honorable proffession. My wife was a Mom at home back from 87', up until 2001. She left being a Paralegal on 1/14/87. (It was alot of fun). We struggled, but paid cash for everything in the early days days. I cherish the memmories. I hate the fact that she is working now. If you can do it, it is worth the struggle. The memmories you build at home (including digging up the septic tank because your child flushed a small teddy bear!) are the best in the world and no money can erase them. I have always told my boys that there is no amount of money that could purchase one single memmory i have of them and it is true.

                        After Hurricane Andrew (92) our situation improved dramatically. Our first big CC debt was in 99' and that began the downward spiral.


                        • #27

                          US Navy Corpsman veteran, a chemist and most recently a stay at home MOM! Out of all these, the MOM is the most challenging, trust me........ I plan on staying home with my little one for a couple of years and than it's back to industry and the lab bench.
                          Last edited by EdytaHome; 02-28-2005, 03:18 PM. Reason: spelling
                          Discharged April 2005


                          • #28
                            God Bless the "Stay at home Mom". Not everyone is able to do it. That's understandable, but as one great man said "The hand that rocks the cradle rules the Nation". God help us when the Government rocks every cradle.


                            • #29
                              Office manager & part-time translator of small master distributor of non-invasive medical device.


                              • #30
                                Robivi-I just had to write and thank you for your support of us Stay At Home Moms. In this day and age, we tend to be looked upon poorly like we are lazy and unwilling to work. My husband and I share your same view and are grateful that we can make it work for me to stay at home right now. I thank the Lord above for giving us this opportunity, we feel blessed. Thank you again for your support and very thoughtful post. I appreciate it more than you can imagine.


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