Gambling addiction in general: Easy come, easy go. (Page 8)

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stkrie wrote on 08/25/2018 at 20:27: It's always such a thing with personal insolvency. On the one hand, I can understand that you want to see again
Land would like to see. On the other hand, if you have screwed up, you should also answer for it.
After all, you are cheating some people out of their money, who trustingly gave it to you. Be it through credits, orders,
Services, etc. And also they must feed their families!

I gamble since 2 years only very rarely, and since 4 months not at all. I met a woman at that time
who has 2 children. That was reason enough for me to step with the zocken so far shorter that all were satiated, and of course
nothing was booked back

I think that should be motivation enough. You can not hide behind your addiction,
but must tear themselves evenly times at the Rieman. In which form one does this, whether now therapy, the finances from the hand give,
all payment methods can be blocked, or just stops, is up to everyone.
You can't just hide behind "I'm an addict". That's too easy!

I will have to pay off my debts by gambling for another 5 years.
I would never have come to the idea of a private insolvency
You brought it on yourself, so you have to spoon out the soup yourself.

And I was also financially at the end 2 years ago!

And I didn't make it because I'm such a great superman, but because I wanted to feed my family.
I wanted to be able to look in the mirror, and not have to tell the children, no, we can't afford that
afford it. And saying in my mind: because dad gambled it all away......

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kvnhenne88 wrote on 08/25/2018 at 19:36: Thank you. That sounds logical and I should get that going as soon as possible.

I have already taken one piece of advice and invited my family to a clarifying conversation. I described relentlessly, openly and honestly the past time and the associated debts. I wished that they would react as you predicted, but my fear of bitter disappointment was confirmed. My family did not want to find a solution with me, but referred me to my mistakes and that I now had to clean them up myself. Consequently, I did not make any progress, but only disappointed people close to me once again. They will almost certainly never forgive me for this. I will probably have to go into private insolvency. I am at the end.

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Howard wrote on 09/09/2018 at 16:31
Hello,

so I hope that you are now helped and you got an appointment with the Debt counseling. Something else I forgot and this is very important.At the debt counseling please do not say there that you have gambled away everything and are addicted to gambling.Unfortunately, it may otherwise come to you the private insolvency is denied, because gambling and Gambling addiction are considered a waste of assets. In this point you have to lie.

Rather say that you have lived beyond your means and they will believe you. And please be aware that living in a private insolvency will be very hard for you. I now have to get by on 1300. Over 500 euros are seized every month from salary and fed to the insolvency administrator.

You no longer pay to the banks and get no reminders and no one comes to garnish, but you live on the edge of subsistence. Violations of the strict rules can be punished very severely and are interpreted as fraud. Then you can be denied the procedure and everything was for nothing.

So the only solution is to stop gambling immediately and live very modestly, without a car, vacation, expensive purchases, etc., or just the gutter.

The biggest disadvantage of insolvency is the Schufa - entry. It will be almost impossible to look for an apartment. Also, no bank will give you a loan. The worst thing is that the negative Schufa - entry is stored even longer than the 6 years of insolvency. It is said that you can only start from scratch after 10 years.

You should not make debts and gamble any more.

So I distract myself now with sports, model making, reading and with my old computer games. That costs hardly any money, apart from some electricity.


I really hope that you still read this post.

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Sweep88 wrote on 10/09/2018 at 00:29 PM
You do know this forum is public and anyone can read along ???

OMG >:O

Also a Debt counselor !!!

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kvnhenne88 wrote on 20/10/2020 at 18:15: Hello everyone,

a little more than 2.5 years have passed by now and I wanted to give you and those who helped me with advice and support an update.

I learned about the restrictions in onlinecasinos in the news and promptly you came to mind. That's why I found my way here again to read how you deal with it. I want to take this chance to give you a water status report on my situation.

For those who don't feel like reading forever, here's a brief overview. What happened?

- Highrolling and gambling, big wins with even bigger losses
- Property mortgaged or sold
- Debts amounting to almost 60 000 EUR
- Turnover alone at a onlinecasino of about 450 000 EUR
- Unable to pay rent
- Family and friends disappointed
- Girlfriend also driven into debt
- confessed everything and then experienced even more disappointment
- Thoughts of not wanting to be there anymore
- sought Debt counseling and considered going into insolvency proceedings
- Therapy aspired

In summary, a, pardon me, shitty situation

But the last 3 points never came to pass. I realized, when I looked through my bank statements of the past years, what I have done and what I have to do to get out of it. I need to discipline myself. Not only financially, but also psychologically...

So I started locking myself out of all casinos and turning over my financial matters to people I trusted. I quickly realized, however, that having others handle my financial affairs was a defeat for me personally. Somehow, it made me feel like a failure. So I took the reins again, knowing that those close to me would not trust me. Somehow, though, that was a motivation for me. Something told me, "Now you have to!"

First off, off to Caritas. But the free debt counseling is apparently so overcrowded that I would have had to wait 8 weeks for an appointment. Time that would most likely have dragged on unnecessarily. Therefore, I contacted all creditors myself and tried to reach an out-of-court settlement. Most of them succeeded... except for a few who (still) refused

I had to submit a statement of assets to prove that I was penniless, except for my wages. At the same time, I tried to increase my income through a better paid job or AG, which I finally succeeded in doing. After eternal telephone calls and incessant correspondence, I was finally able to agree on an installment payment with all creditors. Currently, I have more left over each month than I would have had in a possible insolvency proceeding

My family members, whom I had informed at that time, honor the whole less and would like to know furthermore nothing more from me. But I probably have to live with that

I admit that I am still tempted from time to time to want to win... but the fear of losing everything again is always greater.

Long speech, short sense...

Don't give up, no matter how hopeless the situation seems... there is always at least one option to get out of it

I wish all active players good luck and don't push it too far;)

Best regards

kvnhenne

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