Why do you stick around?

[brad10281]

I just found this forum about a week ago. It's a great resource and I want to thank everyone who sticks around here and helps out by answering questions...but...just curious, why do you stick around? I just got my discharge letter in the mail today, my boat was repo'd lastnight and my truck was repo'd about a week ago. Now I just have to wait for the foreclosure on my house. Once I'm out of the house then this whole ordeal is, for the most part, over with. I'll continue to struggle with my credit for the first few years but we'll get through it. The thing is, I don't foresee myself sticking around here much longer...or maybe I will, who knows?

Those of you who were discharged 3, 4 or 5 years ago...why do you still hang out here? My guess is, simply to help people out...any other reasons? Friendships created?

[junker]

you might be able to give some insight to people that are just starting to be going through the same things you have been.. for instance many will want to know how long they can stretch a forclosure in your state ie. did bk help delay it? ..did you have any problems in bk... keep reading here...you might be surprised..someone might be asking a question that you have the answer to from first hand experience....some here speculate on scenarios that COULD happen...you have now been through it all...and can give advice based on YOUR experience...

[frogger]

Bk is one of the most stressful things that can happen in your life when you don't know about it. Knowledge is power, and that knowledge can come from ones that have been around the block before.

We all were new at one time or another, received excellent advice and support on this forum, so perhaps we're repaying the acts of kindness by passing along what has been learned.

[brad10281]

Completely understandable guys. I just didn't view this type of forum as a forum where the members stick around for long. It's nice to see people so willing to help.

frogger, your profile pic gave me a good idea...to go pour myself a glass of Jack and Coke...just realized I'm out of Jack. The good news is that I can afford a bottle of Jack now!

[DeadManCrawling]

I have been around, off and on, for three years. I have come back to learn more, and where I can, offer advice.

It took me three years to file, so I have gained far more than I contributed. Others have stuck around for friendships made, to help people out of compassion--and to help someone else with those feelings of hysteria and stress that many of us dealt with in the beginning.

Some are in CH 13 and come here during the process for similar reasons and support.

If I can spend a few minutes a week here, and contribute to saving someone else's sanity, as others did for me, it is well spent time.

I am sure I won't be here forever, but I am not leaving any time soon either.

[MSbklawyer]

I stick around because I hate; absolutely, completely, to my core hate what I see payday lenders, 'family finance companies' and other various and sundry loansharks doing to ordinary people.

One of the first bankruptcies I ever filed was for and elderly black woman who was on the verge of suicide because a payday lender had convinced her that they could -- and were about to -- send her to jail because she couldn't cover the post-dated check she had written to borrow money. She had inherited her grandkids because her daughter was in prison for felony bad checks. They were telling her that she needed to make arrangements for her grandkids because she was going to prison like her daughter did.

Then there are credit cards. If all they were was a way for people to cover small, unexpected purchases or to provide the convenience of being able to pay at the pump, I'd be ok with them. But they don't stop there. They lure poor, uneducated (and not so poor and not so uneducated) people into living beyond their means. You too can have all these beautiful women and a boat to cruise them around in while your wife shops at Sak's! You're pre-approved! Apply today! Then they literally persecute people to get their money out of them. Much of the divorce and domsetic violence you see is directly attributable to it.

Then there are the hired guns -- the debt collectors. There is a special place in hell for people who buy a dollar's worth of unpaid debt for a nickle and then make their living by threatening people with garnishment of their wages, putting their kids into poverty, or deeper poverty, when they cannot pay. I get a sort of high -- literally -- by putting it up their a$$es long, hard and deep. I know that's not what you'd call "normal" or "well adjusted", but I really do hate those Fu#*^r$ and it's how I make my living these days. And I enjoy it to boot.

[frogger]

frogger, your profile pic gave me a good idea...to go pour myself a glass of Jack and Coke...just realized I'm out of Jack. The good news is that I can afford a bottle of Jack now!

Some people ruin a good glass of Jack by adding Coke.

[Flamingo]

When we filed Chapter 13 in early 2002, there was nothing like this forum on the interent; just a few BK/financial forums with resident trolls that as soon as someone joined they were verbally beheaded for filing BK. Those forums are long defunct and after getting bad advice on one of those forums and seeing the bad advice given out, was told about this forum which appeared to come into being a few years after we filed. I wish we had found it sooner. I've seen the trolls from the other financial/BK defunct forums try to penetrate this forum but due to the fantastic moderation they are discovered and taken care of. If you saw what took place on those awful forums, you would get down on your knees and thank all the past and present moderators and the owner for keeping this forum run so well.

I stick around to give my experience in the years after filing and discharge. We are now fully out of BK and it is off our credit reports but we still feel repercussions and still have junk email (oh those mailing lists) come to the house addresssed to past BK filers. I don't think it ever really goes away...

[junker]

i was on one of those forums mentioned...absolutely right...by asking similar simple questions on that forum was like throwing yourself to the wolves...they tear you apart...it was almost like asking a debt collector or jdb for advice...rarely a unbiased answer...they certainly were not "expert"

[AngelinaCat]

Some people ruin a good glass of Jack by adding Coke.

*Heh* Some people ruin a good Coke by adding Jack.. or rum. Yuk!

[secondtimer]

If you saw what took place on those awful forums, you would get down on your knees and thank all the past and present moderators and the owner for keeping this forum run so well.

2nd that!

I keep coming back because everyone here helps me keep from going crazy.

BKF is my "Money Meeting"

[ForumReader]

If you saw what took place on those awful forums, you would get down on your knees and thank all the past and present moderators and the owner for keeping this forum run so well.

2nd that!

I keep coming back because everyone here helps me keep from going crazy.

BKF is my "Money Meeting"

Yes, this forum has been a godsend for me. I wish I had known about this site back then before I got sucked up by a DSC (debt settlement company). How I learned about this site was through my lawyer's office. I still read posts from this site and contribute whenever I can thus my monkier

[tigergem]

Some people ruin a good glass of Jack by adding Coke.

Amen to that!

Oh. I hang around here to make sure the bar is stocked and we have clean shot glasses. No coke.

[Universal]

I stick around because I hate; absolutely, completely, to my core hate what I see payday lenders, 'family finance companies' and other various and sundry loansharks doing to ordinary people.

One of the first bankruptcies I ever filed was for and elderly black woman who was on the verge of suicide because a payday lender had convinced her that they could -- and were about to -- send her to jail because she couldn't cover the post-dated check she had written to borrow money. She had inherited her grandkids because her daughter was in prison for felony bad checks. They were telling her that she needed to make arrangements for her grandkids because she was going to prison like her daughter did.

Then there are credit cards. If all they were was a way for people to cover small, unexpected purchases or to provide the convenience of being able to pay at the pump, I'd be ok with them. But they don't stop there. They lure poor, uneducated (and not so poor and not so uneducated) people into living beyond their means. You too can have all these beautiful women and a boat to cruise them around in while your wife shops at Sak's! You're pre-approved! Apply today! Then they literally persecute people to get their money out of them. Much of the divorce and domsetic violence you see is directly attributable to it.

Then there are the hired guns -- the debt collectors. There is a special place in hell for people who buy a dollar's worth of unpaid debt for a nickle and then make their living by threatening people with garnishment of their wages, putting their kids into poverty, or deeper poverty, when they cannot pay. I get a sort of high -- literally -- by putting it up their a$$es long, hard and deep. I know that's not what you'd call "normal" or "well adjusted", but I really do hate those Fu#*^r$ and it's how I make my living these days. And I enjoy it to boot.

RIGHT ON SISTER!!!!!!! YOU GO GIRL!!!!!!!!!!!!
Our economic crisis has been caused in large part to predatory lending be it credit card companies, payday lenders, 2ndary mortgages, etc. Are we to blame for falling for them, somewhat. How long can you hold a carrot in front of a horse before he bites. Predatory lenders are holding the carrot in front of us and when we are hungry we bite and then they have us for life or until we file BK.

[WhatMoney]

RIGHT ON SISTER!!!!!!! YOU GO GIRL!!!!!!!!!!!!

MSbklawyer is a girl?