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.

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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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What do you do for a living?

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  • I'm a SAHM w/a four year degree. Still not educated enough to manage the chaos in my home. Guess parenting requires a Masters, haha.

    DH is a SSG, US Army. NCOIC (Non-commissioned Officer in Charge), Army clinic.
    Ch 7 Filed: 4/27/09
    341 Meeting: 6/11/09


    • I am a Medical Assistant, currently at home with my 2 yr old. Was diagnosed with Heart failure & Interstitual Cystitis so I don"t think I will return to work. My husband is an teacher.


      • I'm a RN working from home as a Workers' Compensation Nurse Case Manager. My husband is a Union Journeyman Carpenter who has been out of work for 10 months.
        Filed Chapter 7: 4/3/09
        341 meeting: 5/6/09
        Discharged: 7/24/09
        Closed: 7/29/09


        • I am a cross between a truckologist and a heavy equipment operator. When construction is weak (as it is currently,) I make my living driving. Thank God I never let my CDL expire like I threatened to do several years ago, due to burnout in the industry...Sure comes in handy every Friday nowadays.

          BTW; This forum is pretty cool. Never realized one existed for an Underdog like me.
          "As long as this is as bad as it gets, it'll be O.K...."


          • Former entreprenuer, now 11/hr receptionist.


            • Ooohhhhh I don't know.....guess!
              Retained 3/09 * Filed 6/2/09 *341 Meeting 7/23/09 *Report of No Distribution Filed 7/24/09 *Closed and Discharged 10/13/09*
              ***I do not provide legal advice. All I am doing is sharing my thoughts and opinions. You probably shouldn't even read my posts.***


              • I was a Buyer and Visual Merchandiser for a huge furniture store until they went out of business and I got laid off. (which was my financial demise)
                I am now a sales rep for a Gift Company. The most fun I have ever had and the least amount of money I have ever made!


                • I work in private banking. My job is loans, watching accounts for fees for the rich and reversing those fees.. bless their little hearts.. ha ha. I was a loan processor,underwriter until we moved. This jobs okay, but not as much fun, and certainly doesn't pay much compare to my old job. But, on the other hand I would be laid off at my old job as they closed their doors.. And hubby was F&I or Sales Manager at car dealerships.. after moving here is had trouble getting a sales job and none of them paid worth a crap. So, he is selling insurance now sort of like aflac, and making nothing basically. Self employed as no one will hire a 60 year old. Car business is hiring now for sales... ha ha.. yeah great! Ever notice the same places run help wanted ads over and over about "great income potential" they don't tell you that you are lucky to make 1800.00 per week and they will work you every night and every week end that they can. And they will toss the best deals to their buddys if at all possible. Hubby is too old now to race to the lot for people. Anyone doing that job is nuts, they need to stop working for these jerks until they learn to stop flooding the sales floor with too many people so no one can make a living and the clients always have to deal with a new sales person. Sell a new car and make 100.00... 40 cars sold on the lot and they had 15 sales people.. wow what an income, huh? So, I rant...


                  • I work for the IRS.
                    Filed Chapter 7: 06-09-09
                    341 Meeting: 07-10-09
                    Discharged: 09-17-09


                    • P/T Security Guard and whatever else I can find as my main job PLUS do computer repair/networking setups for people (that cash is the only thing that keeps me afloat at times)



                      • I am a Database Developer/Adminstrator and right now I'm working for the gov't as a contractor. Mainly deal with financial types of information.
                        BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
                        Scores: EQ 745 EX 704 TU 710 as of 08/15/2012


                        • A broke landlord. Planning my future life now.
                          All information contained in this post is for informational and amusement purposes only.
                          Bankruptcy is a process, not an event.......


                          • landlord Issues

                            Anyone a landlord while filing? What happens to the tenants? I think they'll sell my SFR as it is the only thing I have with any equity in it.


                            • I'm a stay at home mom with two children, My youngest daughter is autisic.. ever try to find day care for a autisic child ? doesn't exist!. besides, I don't trust anyone to watch over my children, not in the world we live in today. So i enjoy every moment of my job!! My hubby is a Lab Technoligist for Pepsi .
                              Filed on 7-17-09
                              waiting for 341
                              341 meeting 8-21-09
                              discharged/ case closed 12/23/2009


                              • I'm a nurse


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