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.

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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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This site has been a savior to me

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  • This site has been a savior to me

    I know this has been said before but seriously this site has saved me. I was really depressed about our situation and reading other people's experiences have made me feel not alone. This is actually my second time filing and I really felt like a big loser but this site has been so supportive. I wish they had had this site when I filed the first time when I was 22. I probobly would not have filed because I filed for 8K compared to our 60k now. 8K seems like peanuts to me now. Most people didn't have internet back then though. I feel like I am on this site all the time now (more than FB, lol). When I start to feel a little down about my finances I just come on here and I feel better. Thank you whoever started this site!!
    60K in debt??
    Ch 7
    No Mortgage No assets

  • #2
    That would be our Administrator and forum owner, Laz.

    Thank you for your kind words, and you are most welcome. I know that my DH and I were totally lost and in despair before finding this wonderful site.
    "To go bravely forward is to invite a miracle."

    "Worry is the darkroom where negatives are formed."


    • #3
      This site has been a blessing to many of us......
      All information contained in this post is for informational and amusement purposes only.
      Bankruptcy is a process, not an event.......


      • #4
        I'm kinda fond of this place too!
        North Carolina


        • #5
          YES, this site is certainly the best ! Helpful poeple, with willingness to share their experiences and knowledge, there to offer suggestions, even comforting words.
          I also like the fact that often I get stimulated to do additional research and readings, which not only get me tired out (lol) and away from worrying, but also keeps my mind sharp enough so as not to loose perspective of what a financial downturn really is, namely: Not the end of the world.

          I join all of the above posters in giving MANY THANKS (!) to 'LAZ' for establishing this site.


          • #6
            Yes, thank you, LAZ!!!!
            (first 341 10/14/09, cont'd 341 10/23/09) (12/14/09 last day to object) (341 Shows HELD w/tt report of no distribution 1/9/2010)
            :clapping Discharged 1/25/2010 Case Closed 3/11/2010:D


            • #7
              Love this site too! I just wish I could get my husband to spend mroe time on here to help him learn more about bk and calm his nerves about filing like you have helped me do!


              • #8
                My hubby is the same way.

                Originally posted by munchkn813 View Post
                Love this site too! I just wish I could get my husband to spend mroe time on here to help him learn more about bk and calm his nerves about filing like you have helped me do!
                Funny you mentioned that about your other half. I told mine to get in the game or he won't understand what is happening. Men.......gotta love um'.
                (first 341 10/14/09, cont'd 341 10/23/09) (12/14/09 last day to object) (341 Shows HELD w/tt report of no distribution 1/9/2010)
                :clapping Discharged 1/25/2010 Case Closed 3/11/2010:D


                • #9
                  Awesome site! I used it so much in preparing my forms. I combined the knowledge I got from NOLO, this site, and the US Bankruptcy Court site. Had no unanswered questions.


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