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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How helpful has this forum been for you?

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  • Extremely helpful, like my life line.

    Extremely helpful, like my life line.

    I just want to say, thank you to everyone, but special thanks to Startingover08, and someone who had a BIG white truck as an avatar back in February 08.

    During my bankruptcy, I hovered almost every day, gathering information. I wasn't registered at the time and I didn't post because someone always seemed to ask the question that I needed answering.

    Although, my BK is over and discharged/closed, I finally registered, so that I might be able to help others the way this site helped me out during that really stressful time.
    02-12-2009, Filed Chapter 7, Pro Se
    03-24-2009, 341
    05-28-2009, Discharged!


    • I just wanted to take a moment to express my gratitude to the great people of this board.

      I joined in August 2009 after stumbling upon it while trying to figure out what to do about my cc debt. I was about 70k in and had lost my job after hurting my back and just collecting disability. Every question or concern I had, there was always someone here to help me out with a kind heart and outstretched hand.

      I found a great lawyer, filed Ch.7 in nov, had 341 in jan and it was discharged in march/may.

      Thank you all so much and while you may understand mostly, you'll never understand how fully I appreciated all you did. But, I'm not going anywhere, still trying to help where I can and also clear up my cred report a bit which the forums are again helping with.

      MVP awards to you all!


      • I think this forum has been extremely helpful. Thanks to those who brought it to life and moderate. It is a great place to get information without the negative judgment. It has helped me to feel better about going through BK, while not feeling so alone during the process. Although I have told very few people about my decision to file, it is nice to know that I can come here and talk to others that have been trhough it.

        The downside? I spend way too much time on this forum! ;^)
        Filed Chapter 7 on July 30, 2010
        341 scheduled for August 26, 2010 - Done! - Report of No Distribution
        Discharged!!! - November 15, 2010


        • We just finished our 5 year chapter 13 when I came across this forum by accident, I wish I had found it long ago. I felt so alone and isolated in our distress with no one to talk to or even really find information ( except attorney's sites),
          I think this site would be a great benefit to anyone going through bankruptcy.
          Chapter 13 filed: June 2005
          341 meeting Aug.2005
          Confirmed Jan 2006 - Last payment made May 31,2010
          Discharge Papers received July 2010!


          • I am extremely grateful to have found this site. I have learned so much and realized that it's not the end of the world if I file bk. I finally realized that a credit score does not make a person. I am going to be signing my papers on July 29th and I can't wait. I finally feel like I'm taking control of financial mess, pay back my debt and not feel like a loser. Thanks to everyone on this site for the time you have taken to respond to my questions and for all the personal stories. I think that was the key for me. To hear others' stories.


            • Yes, this forum is the best! it has a lot of great information that what I need.
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              • All I can say is that,. This forum is really helpful for me. It's very informative..
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                • My story.

                  1.3 million in real estate and CC (all used to improve the rentals) debt. Three lawyer consultations convinced me that I had to find my OWN answers, since one told me I HAD to file CH13, one told me I could NOT file BK at ALL, and the last told me I HAD to file CH7. Anyway, 3 years later, thanks to this site, I have not filed BK (since I educated myself to the fact that I was judgment proof) so still have that option (in case of health debt crisis, for instance, since I no longer have insurance), and now all of my past debts are time barred and cannot be legally collected. I lived the past 3 years on rental income that I saved up while I let all my rentals foreclose. Now, I can get a job and all of my pay will be mine to SAVE! Yes, my credit is ruined, but it would also be ruined if I had filed BK. No amount of money to lawyers (who already had given me horrible advice thaat would have SCREWED me!) would have given me the education I have received in here. THANKS~


                  • Why not ask for an FHA Loans that will help you buy your house and keep it too?


                    • Hey y'all, I stopped by to ask a question for a friend and saw this sticky -- I cannot put into words how helpful you all were to me when I needed it, the quality of friendship and advice I received here, and the priceless support to go through a pro se Chapter 7 all on my own. I am, and will forever be, immensely grateful.

                      On top of knowing that nothing pre-bk can ever haunt me again, this forum and all its juicy goodness is just bonus.

                      I am doing well and know that you will soon be too! Take care, God bless -- and if you can, always try to pay it forward. Good luck on your bk!!!
                      I am not an attorney. I can give my thoughts, but only YOU can decide what is right for YOU. Even if you have an attorney, you owe it to yourself to learn as much as you possibly can: it's YOUR future, not the attorney's. Know the process yourself!!! Here’s the link to the Nolo Press book on filing Chapter 7, there are others too. (I have no affiliation with Nolo Press; just a happy customer.) Best wishes to you!


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