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Gambling addiction in general: Get out of debt / Get out of addiction - My diary (Page 2)

Topic created on 15th Oct. 2018 | Page: 2 of 4 | Answers: 35 | Views: 12,532
rs1747
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Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 01:46 pm CEST#11
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The amount at stake is 50k +
If the creditors don't agree to a settlement there is no other option than PI anyway, since my current loans have already been cancelled and I can't get a loan anywhere anymore --> negative Schufa entries, no collateral, not enough income for an acceptable rate.

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Begbie
Elite

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 02:18 pm CEST#12
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Idiot85 wrote on 10/16/2018 at 13:08: Anything under 25000-50000 do not make a private insolvency, otherwise I advise a private insolvency. Unless you want to pay off 500 years, after 6 years biste free.

have recently heard that it is u. U. also only three years..but is only from hearing say?!

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Anonym

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 02:38 pm CEST#13
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Begbie wrote on 10/16/2018 at 2:18 pm
have recently heard that it is u. U. also only three years..but is only from hearing say?!

It is true, as long as you can meet the 35% quota. But this is usually only possible with low debt. Otherwise it is since 2014 only 5 years.

Addendum: By low, I mean in relation to the debtor's income

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Anonym

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 02:56 pm CEST#14
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Private insolvency is better than dragging the debts with you for 50 years, you really don't have to be ashamed of it, because meanwhile every second person is in debt. This English model with 3 years is only valid if you serve a certain percentage of creditors. 6 years are nothing in life. You should only be aware that you would then have to give up playing online etc. otherwise it hails grains . Best you inform yourself already times with your lawyer or better Debt counseling center.

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Begbie
Elite

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 03:44 pm CEST#15
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even the state itself is in Debt
so who cares?

nobody sweeps!

Begbie

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Anonym

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 06:13 pm CEST#16
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Yes, so you and I have a lot in common. I have also gambled away about 50000 euros and am now in private insolvency. I am glad about your openness and honesty and wish you all the best

I hope very much that many read this post and see this as a warning. Don't gamble! It is a very dangerous addiction, similar to substance-based drugs, you can hardly or only very difficult to get rid of it.

I am especially happy now about the new legal restrictions in gambling halls and etc.. From now on the player card is valid. This means that a player may only use one device and that you can only make very small bets. There is also no longer an automatic button. The losses are capped at 60 euros per hour and the wins at only 400 euros.

This law will hopefully give the gambling houses the rest. Now probably very many players will no longer play. You can hardly win anything because you can not play with high stakes. The money is transferred only very slowly from the equipment. You can only play with a minimum bet of 10-40 cents per round. This will now deter many players.

I hardly believe it, but the politicians still bring about laws. So even if that now sounds hard, but if it were up to me all gambling houses, casinos and other gambling hells would burn. That's all just fraud.

Many gambling houses will now close and that's good. Although unemployment will now rise in the short term but most employees in gambling halls work anyway only on a 460 euro basis.

The economic damage is much higher. Unfortunately, there are people who gamble away the household budget and bring great hardship on their families.

Now I hope that I will not be made down here again because of my critical words.

I want to warn only urgently and know that everyone of his luck is forged. Some of you are supposed to make a lot of money with your gambling. I know!

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Anonym

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 07:07 pm CEST#17
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Howard wrote on 10/16/2018 at 6:13 pm: Yes, so you and I we have a lot in common. I too have gambled away about .50000 euros and am now in personal bankruptcy. I appreciate your openness and honesty and wish you all the best

I hope very much that many read this post and see this as a warning. Don't gamble! It is a very dangerous addiction, similar to substance-based drugs, you can hardly or only very difficult to get rid of it.

I am especially happy now about the new legal restrictions in gambling halls and etc.. From now on the player card is valid. This means that a player may only use one device and that you can only make very small bets. There is also no longer an automatic button. The losses are capped at 60 euros per hour and the wins at only 400 euros.

This law will hopefully give the gambling houses the rest. Now probably very many players will no longer play. You can hardly win anything because you can not play with high stakes. The money is transferred only very slowly from the equipment. You can only play with a minimum stake of 10-40 cents per round. This will now deter many players.

I hardly believe it, but the politicians still bring about laws. So even if that now sounds hard, but if it were up to me all gambling houses, casinos and other gambling hells would burn. That's all just fraud.

Many gambling houses will now close and that's good. Although unemployment will now rise in the short term but most employees in gambling halls work anyway only on a 460 euro basis.

The economic damage is much higher. Unfortunately, there are people who gamble away the household budget and bring great hardship on their families.

Now I hope that I will not be made down here again because of my critical words.

I want to warn only urgently and know that everyone of his luck is forged. Some of you are supposed to make a lot of money with your gambling. I know!

You praise the politicians in the sky? You know that in casinos with state licenses still alels can be gambled away and the law only affects gaming houses or slots at the kebab restaurant, etc.? Who has a casino in the vicinity can still gamble away everything and in addition, there is no German regulation online. No, I can't call anyone outstanding or good as a party at the moment. At best, the parties keep the current status and do not make it worse, they prefer to be lulled by several thousand lobbyists and cripple any law that should actually protect the citizen back down. It always starts with great hope, then it is bludgeoned a bit and then at the end comes out a piece of dirt.

Look at Germany, the people here have the highest taxes, the highest social security contributions (you are forced to have a health insurance), almost the worst Internet lines (mind you in the EU average at the same time also the highest prices), hardly any regulation in the online sector (only sports betting and state lottery), ... I can not see there now of reasonable performance. In the past, you took more risks, but now no change, because you are afraid that people might be bothered. One tries old what never worked to patch and invests in things that help no one except a small part. If the state would stop wanting to support everything and instead reduce taxes by 30-50%, many fewer people would be dependent on help, one should only support what is really of existential importance. Art projects, etc... that should not be subsidized in life as high as today...

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rs1747
Rookie

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 09:40 pm CEST#18
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Liked this post: Anonym, Avatar von snopsim snopsim
Hello together!

Today I had the appointment with the Debt counselor and I can only say that I am really relieved. I have entered into cooperation with him

From now on, all payments that have nothing to do with normal living will be stopped. So now I only pay rent, electricity, mobile phone/internet etc

Creditors are 100% taken care of by my debt counselor. I don't have to talk to anyone or justify myself anywhere and can more or less ignore the reminders / collection letters & court orders

Whenever such a letter flies into the house, I simply send it to my advisor, who now first collects all debts/open claims. As soon as he has done that, he submits a settlement offer to all creditors

If all creditors agree to the settlement, I have to pay the negotiated monthly installments. If not all creditors agree, the insolvency proceedings are opened. He also takes over this completely for me

The fee for all these services in my case is a ridiculous 600 €, which I pay off in 4 monthly installments.

So for the time being, I don't have to worry anymore or have to put off any creditors. That alone is worth the money!

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Anonym

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 09:55 pm CEST#19
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Congratulations that you have made the first steps into a new life and all the best for your future. For all forum members from Austria: in Austria there is the Debt counseling (just google for the nearest location in your area) completely free. You only need to bring an ID if possible all documents (if available or at least a list of your creditors) and the rest they do together with you. As I said, it costs you nothing except a little time.

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rs1747
Rookie

Get out of debt / Get out of addiction - My diary

16th Oct. 2018, at 10:24 pm CEST#20
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Hi Bonanzaking!

I find it good that you have brought the reference. But even if you have to honor the performance of the Debt advisor is helped in any case. The previous liabilities are completely eliminated and 600 euros (maximum!) for this enormous amount of work is really vanishingly small. I had expected much more.

Therefore also my appeal to all in a similar situation are: Don't wait as long as I did, but get off your ass just once and go there. So much pressure and burden is taken off you and the gentleman who is responsible for me is really a super guy. We had a really nice chat for almost 2 hours

From now on there is no more postponement and no more problem suppression for me, because with this single appointment now everything is initiated what is necessary. So now there is no turning back for me, but at the same time I need to worry about almost nothing!

The only thing I have to do now is to inform my advisor about everything that has to do with my finances and to send him the data if necessary in case I get mail from a creditor. That's it! It couldn't be made any easier for me.

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