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.

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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.

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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.

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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.

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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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Is this site running slower nowadays?

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  • Is this site running slower nowadays?

    Is it me (my computer running slow) or does this site seem to be running slower now that the format has changed from the way it used to be a few weeks ago? It seems that since with the format change, every time I try to open up a new message on this site, it takes about 15 seconds or so to open it.

    On a side note, I find it funny that there are both type ads on this website, where you see BOTH type companies trying to help you with your credit & BK problems AND companies offering their collection services. LOL!!! TOO FUNNY!!!

    I know those collection service companies help pay the bills to help keep this site up and running, but I am appalled that these companies want to run their ads in this particular forum . . . a forum that is designed to help consumers in need and NOT HELP vulture companies seeking bill paying challenged customers, so they can beat them up when they are down in desperate need of help.


  • #2
    Yeah it runs slow.


    • #3
      This morning.. its like molassas... :/ takes about 15-30 seconds to load a page and about the same to load a topic. Ugh


      • #4
        Yes, running MUCH slower. So frustrating at times that I simply shut it off.


        • #5
          ditto!! i was a watcher prior to finally joining so been here for months and have NEVER Ever seen this...but they are updating the site, apparently, so that's what's going up as the info is being changed?
          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! and all are welcome to bk forum's Florida State Questions and Answers on BK


          • #6
            Thanks Everyone. I thought that it might just be my computer, however it seemed that every since the format/layout was changed on this site , my pages seem to always now download very slow . . . no matter what time of day I am on this site.



            • #7
              Thanks Everyone. I thought that it might just be my computer, however it seemed that every since the format/layout was changed on this site , my pages seem to always now download very slow . . . no matter what time of day I am on this site.



              • #8
                Same here.
                Very slow.
                Doesn't matter what time of day I come here.
                I've started opening every thread in a new window, just so I don't have to wait for things to load after hitting the 'back' button on my browser.
                7/01/10 - filed!
                11/20/10 - discharged and closed


                • #9
                  The owner is into crunching numbers and putting little awards and such on your profile. He explained in another thread that the number crunching takes time. Other than that, I have already been too vocal about these New and Improved situations. If "Tide" was a good soap, and now we have "New and Improved Tide" what was wrong with the old and unimproved? I think this site is being over engineered. But, I'm already in trouble for my opinion. 'Hub
                  If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.


                  • #10
                    I don't think it is the extra stuff that is slowing things down.
                    I've been on boards with even more stats, than this one has.
                    Seems (from watching the bottom of my browser bar) that most of the delay is waiting for some of the ads to load.
                    7/01/10 - filed!
                    11/20/10 - discharged and closed


                    • #11
                      So, is anyone looking into the slow loading problem,
                      Or are we stuck with things taking forever?

                      If so, I think it might be time for me to just quit stopping by. Taking way too much of my time anymore.
                      7/01/10 - filed!
                      11/20/10 - discharged and closed


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