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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Yay! Site up and running!!!

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  • Yay! Site up and running!!!

    I am fairly new here, but wanted to say how much I missed this forum the last week! I have come to rely on the members for support even though I don't regularly post. DH and I have just retained our attorney and will be ready to file hopefully next week. I have been freaking out all week - so glad the forum is back up and running. Heaven knows I will need the support in the coming weeks!

    Thanks to all of you - and your support!!

    Filed Ch 7 Sept '10, 341 Meeting Oct '10, Discharged Dec '10, Case Closed Jan '11

    EQ 2/8/11 - 584, 6/2/11 - 677

  • #2
    Ditto. I haven't been able to get my "fix" And I also consider myself fairly new here. By the way, congrats on the retention of your attorney, a very important milestone!!
    Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10


    • #3
      We are now ready to file, working on the paperwork, UGH, not so much fun! I was so down when this forum wasn't online, I have been coming here alot to get information and help with our upcoming filing. Not to mention just the moral support and community of people here that are so understanding and non-judgemental and so helpful. Thank heavens it's back!
      Filed BK Chapter 7 - 11/12/10 341 Meeting - 01/07/11
      Notice of no distribution - 01/12/11
      DISCHARGED - 03/09/2011


      • #4
        Glad to see the site is back up! I like the new look.
        Filed: 6/30/2010
        341: 7/26/2010
        Discharged: 10/6/2010


        • #5
          HERE too

          Sooooo glad also. Havin trougle getting onto pacer without having my fix first.
          filed: 8/10 ...341:10/8/10 ... Discharged & Close: 12/9/10
          "Nothing is easy to the unwilling" Thomas Fuller


          • #6
            I realized how much I missed this site while it was down. I was glad to see the posts on another forum from members here asking what had happened. The new format is really sleek and clear.


            • #7
              I was worried that some large creditor had bought it to shut it down and leave us all blind. (Didn't think it was likely but I can spin a conspiracy thought with the best of 'em...)

              My 341 is in less than 2 weeks... quick... less than a month after filing...
              12/2009 Stopped paying CCs; 3/10 1st suit;
              8/2010 finally served; No Asset 7 filed. 11 mos since last bal xfer
              9/22/10 60 day club; 9/24/10 report of no distr; 11/23/10 DISCHARGED


              • #8
                Let me assure all of you how much we Mods are happy to see the site back up as well. I cannot speak for the others, but when suddenly I couldn't log in and check things, I was just as distressed and 'in the dark' as you.

                Have a grand weekend.
                "To go bravely forward is to invite a miracle."

                "Worry is the darkroom where negatives are formed."


                • #9
                  I'm so happy its back up too! Just starting down this road of bk and was quite worried about the whole mess without you all ;) Just by reading posts makes me feel a bit better so it was surely missed by me.


                  • #10
                    So what happened to the site last week? Was it just down to update to the new look? I was panicked and agree about how much I missed my "fix".


                    • #11
                      Oh thank god it's not gone

                      I was so worried that it was gone for good. Hadn't been on in a while since I had to put my filing on hold. Then yesterday I went to link to get on and it was gone. I can now breathe again. Woo Hoo everyone here is so helpful. Gettin back in the grove to do pro se work again. Like the new look.


                      • #12
                        OMG I thought I was going to have a heart attack!!! Thank you so much to whoever got it back up and running! This week was the longest week ever!!

                        Update on me - paying my retainer fee on Monday!
                        "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11


                        • #13
                          Originally posted by Freddy03 View Post
                          Update on me - paying my retainer fee on Monday!
                          Great news Freddy03!!!!
                          Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
                          AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC


                          • #14
                            Yay! I'm so glad to see that the forum is up and running again. Thanks mods!
                            Ch. 13
                            5 payments down, 55 to go


                            • #15
                              My S.O. thought i was sick. Not on the pooter reading the BK forum ALL the time. The house was clean. OMG whats wrong!! AHHHH everything is back to normal.
                              filed: 8/10 ...341:10/8/10 ... Discharged & Close: 12/9/10
                              "Nothing is easy to the unwilling" Thomas Fuller


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