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 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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How helpful has this forum been for you?

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  • How helpful has this forum been for you?

    Please take a moment to participate in this poll. :-)
    Very Helpful
    Somewhat Helpful
    Not helpful at all
    Last edited by HRx; 03-09-2007, 12:32 PM.
    The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.

  • #2
    I have not filed yet, I'm right on the edge - on again, off again - but this site has kept me from making potentially horrible mistakes.
    Filed C7: 04/25/2007
    341: 05/21/2007
    Last Day for Objections: 07/20/2007
    Discharged: 07/23/07 Closed: 07/26/07


    • #3
      What I love about this site is: the people are very friendly in here they do not knock you down for your stupid mistakes, like how you got into BK in the first place. I racked up my credit with MOSTLY gambling/cash advances, no one made me feel bad about it. So I'm staying on this forum for a minute even though I'm discharged to lend "opinions," and express my thoughts, and experience having gone from Ch13 and converting to Ch7 within 3 months.

      Thanks Everyone who participates in here ! !

      July 2006: Filed Ch13 :blink:
      Oct 2006: Converted to Ch7 :clapping:
      Jan 2007: DISCHARGED :clapping:
      Nov 2007: CLOSED :yahoo::yahoo::yahoo:


      • #4
        On the positive side, it's been such a great learning experience. Ultimately, I rely on the lawyers advice, but sometimes its great to see other people's experiences and have them help you point you in the right direction and learn from others mistakes.

        I only have one caution for people using the boards (and it has nothing to do with the boards themselves.) I don't think I've gone more than a couple days without thinking about my money situation--and that's for almost a year. I was spending too much time on here that was only adding to my stress. I had to wean myself off since I had a big knot in my stomach for days at a time.

        My posts represent hours of research on and off the web, these forums, my experience, and my opinions.


        • #5
          I filed Chapter 13 Bankruptcy in February 2005 and was not confirmed until 09/2005. As everyone knows, waiting to be confirmed is the worst!!!!! I had so many questions and the stress level was out of this world, but I could come on this site and everyone was great at calming me down and anwering all of my questions. This site really made an unbearable situation much better. It is nice to know you are not the only one dealing with this.
          sigpicPersevere: "To continue a course of action, in spite of difficulty, opposition or discouragement."

          Chapter 13: Discharged 03/15/2010. Closed 05/19/2010::yahoo::yahoo::yahoo::yahoo::yahoo:


          • #6
            Everyone here has been incredibly supportive. Not only has this site kept me from making more terrible financial mistakes, it has kept me from divorcing and/or killing my husband!

            Filed: 2/24/2006
            341 mtg: 4/4/2006:angel:
            Discharged: 9/25/08!!!!!:yahoo::yahoo::yahoo::yahoo::yahoo:


            • #7
              Just had to say thank you to.........

              All of the people on this site who have interacted either by replying to my posts or reading my posts who have saved me from going totally insane!

              I appreciate each & everyone of you even though you & I have never met.

              I went bankrupt because of a man & a was my fault for allowing the madness...I will not repeat the insanity again, I will not repeat the insanity again....this is my mantra.

              Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
              Who it was we were below, where we've been and where we go


              • #8
                I knew less than nothing when I filed!

                This board is where my education really begad. Thanks for that.


                • #9
                  Like Hagar100, I knew nothing when I first considered bk. I have not filed yet, but am going to be as prepared as possible when I do....thanks to this board.
                  I appreciate the wisdom and support. Thanks so much!
                  ~~~ Toomuch ~~~

                  Filed Chapter 7 - 10/15/08
                  341 Meeting - 11/13/08


                  • #10
                    I have learned more useful and practical info on this forum than any of the other ones out there on the web.
                    The world's simplest C & D Letter:
                    "I demand that you cease and desist from any communication with me."
                    Notice that I never actually mention or acknowledge the debt in my letter.


                    • #11
                      Saved my life!

                      At the time that I found this site, I had been served civil lawsuit papers by a "friend" of 12 years whom I had once helped out of foreclosure with a sizable loan, gave him a job and basically let him "coast" as an employee and supposed founding member of the corporation because of our friendship.

                      When my business went under, my mother had just died a terrible death, a previous employer had been stealing my employees and to cap it off, stole a very large contract right after the death of my mother...I also had to help a family member through a terrible child custody situation during this same period.

                      When the doors abruptly closed on my business - I suffered a nervous breakdown. I guess it was too much in such a short period of time and it took months for me to come out of that. Just as I started to regain my fighting spirit, I got served. Needless to say, the civil suit (for major $$$) tipped me back way over the edge - more especially because of the fact that this had been a friend and someone I had helped.

                      I seriously contemplated ending it all. Seriously.

                      I couldn't afford to fight the wretched and false allegations in the lawsuit and thus it went to default judgment.

                      Finding this site and reading all the stories of others situations helped me to regain my focus and to just go through it. I filed bankruptcy. I am still going through it, but the world is not ending, and I am still alive.

                      So thank you ALL for sharing your stories and helping me (even though you did not know I was here until recently).

                      It has been a journey, that is for sure!!!



                      • #12
                        This forum has been and will continue to be extraordinarily helpful in my endeavors to navigate through a most difficult situation.

                        I cannot thank everyone here enough: the mods, owners and contributors have a most informative forum to study.

                        I would gladly financially support this forum if need be.

                        Thanks again.



                        • #13
                          Thank you to all those that have already participated in this poll!

                          Maximum participation in this poll would be greatly appreciated ladies and gentlemen!
                          The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.


                          • #14
                            This is by the far the best forum I've found. In particular, the information for Chapter 13 filers is great! I have yet to file, but this board has been instrumental in helping me understand the option of filing bankruptcy. Cheers.


                            • #15
                              C'mon folks VOTE!!! It's anonymous!!

                              There have been 453 views and only 34 votes on this poll!! lol

                              Exercise your right to Vote!!
                              The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.


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