I'm not entirely convinced that the "bankruptcy" tag really means the borrower has declared BK. I have a member of my group who got a loan after declaring BK only a year or two prior who now shows she's in BK again. From a little communicating with her, it was my understanding that she was working with a credit counseling service while dealing with a divorce and around that time, Prosper put the BK tag on her loan. Of course, Prosper won't tell me anything about the situation and the borrower has gone silent so I really don't know much more than this. At any rate, I don't believe the borrower is even eligible to declare BK yet so the BK tag doesn't seem to quite fit what may really be happening. It's been nearly a year since the last payment on the loan and I have no idea if it will ever be written off either. I just don't know what to expect other than to just sit and wait.