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 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.

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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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  • #31
    This place is the AA of BK!

    pv34pv3p(Except for all that 12 step stuff, and having to be sober...;-)


    • #32
      This board is incredible. I dont know that I would have survived wihout it!


      • #33
        It has been very helpful. All of my questions have been answered with prompt & accurate replies. It is probably one of the best forums that actually means something and really is helpful because this is such a big thing to consider when people donot not what, how, when to do or not to do.....

        The members & mods are kind, considerate and respectful to each other about something that is very difficult to talk about and deal with.

        Thank You for the forum.


        • #34
          excellent rescource!!!! good advice from real life people....
          would highly recommend it for people in or thinking about bk...guzzie
          case filed : 6 -5-2007 :blush2:
          DISCHARGED ...9-26-2007..:yahoo::yahoo:
          case closed : 11-13-2007 :yahoo::yahoo:


          • #35
            This has been a lifeline
            May 31st, 2007: Petition Filed by my lawyer
            July 2nd, 2007: 341 Meeting Held
            September 4th, 2007: Discharged and Closed.


            • #36
              How helpful.....a whole lot of help came from here....

              I just want to say to all the people who post on this guys are a godsend. I was so nervous when I first found this forum. I had no idea what to say or do. Mostly in the beginning around June, I simply read and read some more. Then I started talking and researching. Then I started checking and documenting. Then I started researching what words meant that I saw here and I

              ...filed on 7-30-07
              ...took credit counseling course and received certificate 7-28-07
              ...had a no asset bankruptcy....
              ...341 meeting 8-28-07
              ....waiting and holding my breath


              • #37
                ....waiting and holding my breath

                NO! Please start breathing!

                Hyperventilation is actually 98.85% NOT NECESSARY, during the 60 day period.

                Yay for you, Lady! YES!


                • #38
                  I absolutely love this forum. I filed in mid-June and went to my hearing July 19. I only joined here today but I have READ here for months and months.

                  I have learned so much on here, and I love everyone's helpful and friendly attitude. I am glad to be a member, finally.

                  All of you absolutely rock!

                  Filed Ch. 7 June 14, 2007
                  341 Meeting July 19, 2007
                  Discharged September 17, 2007
                  Closed September 17, 2007


                  • #39
                    This forum has been a true gift to us. We appreciate the community support and insight.


                    • #40
                      I was very close to becoming depressed and just chucking it all and fleeing the state I am in. Now, I see that I can legally help myself, and possibly get out of this with some self respect left. Bankruptcy is a very emotionally draining thing. Always take care of yourself first-- something I did not listen to before, I am listening to it now.
                      Not all those who wander are lost....

                      --J. R. R. Tolkien


                      • #41
                        This board is the only thing that has kept me out of the insane asylum. I come here everyday and have learned so much. The support from other members is wonderful.


                        • #42
                          This board has definitely been one of the best things for me and my ability to get through and recover from bk. I try to post when I can to help others because so many here helped me - and I can feel good about referring people to this forum because of the great attitudes most people here have towards one another. Thank you so much!


                          • #43
                            We as MODS as SO PLEASED about the feedback in this thread. It tells us that our efforts/suggestions are not wasted, and that we can HELP people during this difficult time.

                            We want our forum to be THE BEST when it comes to helping people with bankruptcy problems and giving the BEST MORAL SUPPORT that we can offer to filers.

                            Thanks a lot for the imput folks!!

                            "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.


                            • #44
                              Like father like son or not

                              Hello and Thank You All,
                              How helpful has this forum been for me?
                              Well pardon me for spilling my guts,
                              The only time I saw my father cry was when I was 14 and
                              he was paying the bills just before X-mass, He was in his office
                              and he never knew I saw him.I knew something was wrong
                              because the phone never stop ringing and he told me to
                              say he wasn't home. He never missed a day of work and we
                              never missed a meal. He was a very proud man just before he
                              filed bk.He never told me he did but, my mother did years later.
                              The phone stopped ringing but it crushed him completely.

                              After that, I said "I" would never go through that.
                              So anyway, 30 years later...

                              My wife lost her psychic phone job last fall and we sold our
                              Amazon book business two month's back due to lack of sales.
                              She got a part time job and I started building rustic furniture.
                              And after 10 yrs of paying our cc's on time every time.
                              My wife and I found ourselves at the food bank on X-mass
                              eve (07), living in our mobile home in a small town in CO
                              in our mid 40's.
                              I was thinking of my father and how I could come up with
                              $900 by the 4th of January (today) to pay the minimum
                              payments on some of our 24 cc's (43k balances).
                              It was then I realized it wasn't going to happen this time.
                              I thought about finding a high bridge with a hard bottom.
                              And then I swallowed what was left of my pride and
                              goggled bk and ended up here on X-mass eve night.
                              After reading post's for 60 or so hours since then,
                              and making it my home page.
                              I realize now it's just another business decision and
                              I'm not the lone stranger.I can do this! And feel good
                              about it too.What a reality shift.
                              I only wish my father could have found the support
                              this forum has provided me.
                              How helpful has this forum been for me?
                              You have no idea, well maybe you do.
                              God love ya!
                              Last edited by Webweaver; 01-05-2008, 01:11 AM.
                              One door closes and another door opens
                              If I can't pay with cash, I don't need it!


                              • #45
                                I cannot even express how helpful this forum has been. I feel like I have a good attorney, but most of the time I didn't even know what questions to ASK. When I started this process I was clueless and I've learned most of what I know from this Forum. The support is fantastic and I honestly feel like I don't have to go through this alone. Moderators, keep up the fantastic work. I don't know what state of mind I would be in without this Forum, but it wouldn't be a pretty sight! Thank you all.


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