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Gambling addiction in general: Get out of debt / Get out of addiction - My diary (Page 3)

Topic created on 15th Oct. 2018 | Page: 3 of 4 | Answers: 35 | Views: 12,617
Anonym

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

17th Oct. 2018, at 06:11 am CEST#21
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Hey. First of all, huge praise that you have made this first step. I really hope for you that everything will be fine and you get your (financial) life back under control?

What about addiction counseling? Debt counseling is there to help you deal with the consequences of your addiction, but not the actual problem. Do you already have something in prospect or how do you deal with it?

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Begbie
Elite

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

17th Oct. 2018, at 08:24 am CEST#22
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rs1747 wrote on 16/10/2018 at 21:40: Hello everyone!
The fee for all these services in my case is a ridiculous 600 €, which I pay off on 4 monthly installments.

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


may i ask at which Debt counseling you were? have in a few weeks nen appointment with the caritas, it is actually free?

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Tropper
Top Member

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

17th Oct. 2018, at 01:44 pm CEST#23
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I wish you all the best and I hope your finances will recover and in 10 years you will be completely free.
Private insolvency lasts I think 7 years

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rs1747
Rookie

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

17th Oct. 2018, at 01:51 pm CEST#24
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What about addiction counseling? Debt counseling is there to help you deal with the consequences of your addiction, but not the actual problem. Do you already have something in sight or how do you deal with it?

I will look for a self-help group in the next few days. I had problems with alcohol a few years ago and was in psychological treatment for it. I have not been drinking alcohol at all for 2 years now. I don't have the slightest desire for it either.

The reasons for the Gambling addiction were/are the same as with alcohol (--> addiction shift). So I know what the problem is and what I have to do to get the problem under control.

I also know very well that I MUST do this now. There is no more gambling for me from now on. So far I had hald the luck or actually bad luck that I could always somehow "durchwurschteln". That's why I've always continued to operate and no change allowed (perhaps subconsciously also intentionally to the point where there is no return).

With the step into debt counseling, it is clear to me that the switch is now flipped and must remain so. I trust myself to do this, because as I said, I already know the causes and the solution. However, I think that a self-help group can be a great help, especially at the beginning

If at any time I have the feeling that I can't do it alone or with the help of the support group, I will contact a psychologist.

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Anonym

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

17th Oct. 2018, at 01:51 pm CEST#25
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Tropper wrote on 10/17/2018 at 1:44 pm: I wish you all the best from my heart too and I hope your finances recover and in 10 years you are completely free.
Private insolvency takes 7 years I think

still 6 years. There is an English 3 year model to which conditions are attached. In addition you must have served so and so much percent of your creditors. I think with a 50k sum you will be happy if you get 20k or 25k. Except you have many small creditors then it looks dark. You will surely tell us how it turned out

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rs1747
Rookie

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

17th Oct. 2018, at 01:58 pm CEST#26
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Begbie wrote on 10/17/2018 at 08:24 AM

can i ask which Debt counseling you went to? have an appointment at caritas in a few weeks, it's actually free there?!

At ADN.

Caritas is free of charge. But had in my city long waiting times, which was with my high urgency by already canceled loans so rather bad

In addition, I do not know if the services of Caritas are the same as in the jdtzigen case. It is worth a lot when you really don't have to worry about anything at all. No deadlines are missed etc...

Therefore: These 600 euros are tiny in relation to the total debt and I pay with pleasure, especially if you consider that I have 600 euros a few weeks ago within 1 hour in the OC gambled away...?

So the money is at least spent wisely.

All this does not mean that the free service of Caritas is bad, I can only say nothing about it, because I was never in a concrete conversation.

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rs1747
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Get out of debt / Get out of addiction - My diary

17th Oct. 2018, at 01:59 pm CEST#27
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Tropper wrote on 10/17/2018 at 1:44 pm: I wish you all the best from my heart too and I hope your finances recover and in 10 years you are completely free.
Personal bankruptcy takes 7 years I think

Thank you very much!
It's 6 years in total

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rs1747
Rookie

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

17th Oct. 2018, at 02:02 pm CEST#28
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Idiot85 wrote on 10/17/2018 at 1:51 pm
still 6 years. There is an English 3 year model with conditions attached. For that you have to have served so and so percent of your creditors. I think with a 50k sum you will be happy if you get 20k or 25k. Except you have many small creditors then it looks dark. You will surely tell us how it turned out

Right!

There are only 5 creditors in total, so it is manageable and the Debt advisor even said that the chances for a successful out-of-court settlement are not that bad in my case. That would of course be the very best thing that could happen to me.

I will update news here at any time.

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Tropper
Top Member

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

17th Oct. 2018, at 02:16 pm CEST#29
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6 years? Then hit it
They go by in a flash

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Anonym

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

17th Oct. 2018, at 03:39 pm CEST#30
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rs1747 wrote on 10/17/2018 at 2:02 pm
Right!

Are a total of only 5 creditors of therefore manageable and the debtor counselor even said that the chances for a successful out-of-court settlement are not even that bad in my case. That would of course be the very best thing that could happen to me.

I will update news here at any time.

Super as I said even the rich were once poor or down, so break a leg. I myself was also once wealthy then broke and classify me today as healthy. Maybe you learn from it, let the gambling be and if you do not make it really look for help. I was clean for almost 4 years and always let myself be animated by false friends to gamble, I have banned them from my life. I will never be completely gambling free but it should be healthy and manageable. All the best to you

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