Please treat this discussion forum with the same respect you would a public park. We, too, are a shared community resource — a place to share skills, knowledge and interests through ongoing conversation.
These are not hard and fast rules, merely guidelines to aid the human judgment of our community and keep this a clean and well-lighted place for civilized public discourse.
Help us make this a great place for discussion by always working to improve the discussion in some way, however small. If you are not sure your post adds to the conversation, think over what you want to say and try again later.
The topics discussed here matter to us, and we want you to act as if they matter to you, too. Be respectful of the topics and the people discussing them, even if you disagree with some of what is being said.
One way to improve the discussion is by discovering ones that are already happening. Spend time browsing the topics here before replying or starting your own, and you’ll have a better chance of meeting others who share your interests.
You may wish to respond to something by disagreeing with it. That’s fine. But remember to criticize ideas, not people. Please avoid:
- Ad hominem attacks
- Responding to a post’s tone instead of its actual content
- Knee-jerk contradiction
Instead, provide reasoned counter-arguments that improve the conversation.
The conversations we have here set the tone for every new arrival. Help us influence the future of this community by choosing to engage in discussions that make this forum an interesting place to be — and avoiding those that do not.
Discourse provides tools that enable the community to collectively identify the best (and worst) contributions: bookmarks, likes, flags, replies, edits, and so forth. Use these tools to improve your own experience, and everyone else’s, too.
Let’s leave our community better than we found it.
Moderators have special authority; they are responsible for this forum. But so are you. With your help, moderators can be community facilitators, not just janitors or police.
When you see bad behavior, don’t reply. It encourages the bad behavior by acknowledging it, consumes your energy, and wastes everyone’s time. Just flag it. If enough flags accrue, action will be taken, either automatically or by moderator intervention.
In order to maintain our community, moderators reserve the right to remove any content and any user account for any reason at any time. Moderators do not preview new posts; the moderators and site operators take no responsibility for any content posted by the community.
Nothing sabotages a healthy conversation like rudeness:
- Be civil. Don’t post anything that a reasonable person would consider offensive, abusive, or hate speech.
- Keep it clean. Don’t post anything obscene or sexually explicit.
- Respect each other. Don’t harass or grief anyone, and don’t impersonate people.
- Respect our forum. Don’t post spam or otherwise vandalize the forum.
These are not concrete terms with precise definitions — avoid even the appearance of any of these things. If you’re unsure, ask yourself how you would feel if your post was featured on the front page of the New York Times.
This is a public forum, and search engines index these discussions. Keep the language, links, and images safe for family and friends.
Harassment of individuals in this community will result in an immediate and permanent ban.
Although the discussion in this community should primarily focus on debt reduction and credit card management, there are places (such as “The Lounge”) where you are free to socialize with other visitors here. However, there are two topics that are strictly forbidden: religion and politics.
Posts that delve into either religion or politics will be flagged, either by administrators or other visitors to these boards, and if you are found to be in violation of this rule, your forum permissions will be permanently disabled.
One of the core values of Debt Decimator’s development team is Privacy First. This means it is important that the customer gets to decide how much (or little) personal information they wish to share to the public…and to us.
If you decide to take it upon yourself to identify somebody in this community against their will, regardless of whether or not that information is already publicly acessible, your forum permissions will be permanently disabled.
Make the effort to put things in the right place, so that we can spend more time discussing and less cleaning up. So:
- Don’t start a topic in the wrong category.
- Don’t cross-post the same thing in multiple topics.
- Don’t post no-content replies.
- Don’t divert a topic by changing it midstream.
- Don’t sign your posts — every post has your profile information attached to it.
Rather than posting “+1” or “Agreed”, use the Like button. Rather than taking an existing topic in a radically different direction, use Reply as a Linked Topic.
You may not post anything digital that belongs to someone else without permission. You may not post descriptions of, links to, or methods for stealing someone’s intellectual property (software, video, audio, images), or for breaking any other law.
This site is operated by your friendly local staff and you, the community. If you have any further questions about how things should work here, open a new topic in the site feedback category and let’s discuss! If there’s a critical or urgent issue that can’t be handled by a meta topic or flag, contact us via the staff page.
Yes, legalese is boring, but we must protect ourselves – and by extension, you and your data – against unfriendly folks. We have a Terms of Service describing your (and our) behavior and rights related to content, privacy, and laws. To use this service, you must agree to abide by our TOS.