Gambling addiction in general: Get out of debt / Get out of addiction - My diary (Page 4)

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?!

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Howard wrote on 10/17/2018 at 4:03 pm
Hi,

yes Caritas is free also other state licensed Debt counselors are free. But you have to be careful some debt counselors cost money and there are also black sheep in the industry who only take money from debtors, hardly do anything and make the poor even poorer. The big disadvantage with Caritas and Co. is that you can sometimes wait a year until you get an appointment. You don't have that much time! With me it was very very close. If the district court in Hameln had taken even more time, the bailiff would have come a few days later. But thank God I had a good debt advisor and the AG Hameln opened the insolvency proceedings quickly. Now I also have peace and still have almost 1300 euros to live on.

The only problem was really still headache makes is when I look in the next few years me an apartment. It will be almost impossible to find a rental apartment because the negative SCHUFA entry remains, i.e. up to 9 years.

I wish everyone luck that you just like me out of this but quite heavy Lebensskriese again come out.

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Idiot85 wrote on 17.10.2018 at 16:13
Dear Howard, for this there are yes contact points regarding a consultation or just lawyers from the profession.I think your sentence to life should be quite sufficient as a single person, toi toi that you have gone this way, that shows strength. You are right with a negative Schufa or negative Infoscoring you will not have a chance in any cooperative. Just when they hear about your insolvency it's over . But you can always try to live privately, but private housing is always a risk. In this way all the best for you. To the thread creator last time, if the 5 creditors are satisfied with a sum X you are fine off the hook, last time it always depends on where you have your debts. Banks are often more accommodating than companies that are big and heavy. It becomes difficult if you really have a lot of creditors, only a private insolvency, consumer insolvency helps. May the force be with you and report to us all how it turned out.

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Howard wrote on 11/21/2018 at 2:42 pm
Reporting back now. Sorry for not writing anything from me for so long. So my private insolvency is now going their way.I am now for a few weeks in the good conduct phase.Now are still scarce 5 years ahead of me and I am then officially rid of my debts. But I will remain a burnt child for the banks. Although they say that you can start again from scratch after the insolvency and all debts are deleted. This is true, but I will not need to apply for a loan in the remaining years of my life. Also, I will not get an overdraft for my checking account ever again. A negative note will remain in computer of every bank even after the 6 years. Unfähr is that also officially after expiration of the insolvency 3 years later still a negative entry remains. Even if I would inherit money now and would settle all debts, remains still 3 years this entry. So one is really only after almost 10 years with the Schufa again a blank sheet.Nevertheless also after 10 years I will not be creditworthy.

Despite all this I do not complain. With 1,300 euros I do not starve. I must now live very very frugally. That I do also and I live in the house of my mother in the OG. There I have a small apartment and also pay less rent than on the free housing market. My mother is already 88 years old and if then the inheritance case occurs I will be able to terminate the entire insolvency procedure prematurely and for me then nevertheless still some money remains over. I will buy with it one day in the harz a small 2 Zi-ETW. There the apartments are not so expensive, but still very nice. I like it also very well there and that one (s) nowadays over an hour journey to work has (per tour) is normal. of course would be ne apartment in the city just around the corner next to work optimal, but even in Hanover, the rents have risen so that I can not afford with my income. In addition, I also want to save me a landlord. Had before the insolvency already enough trouble with them.

Oh yes, I had again a small relapse and had played again at the OC roulette. Again co 500 Euro gambled away. But that was really the last time.

Last month I could even throw from my meager residual income something in the piggy bank. in November we had Christmas money and they have deducted almost everything u seized. Of course that hurts a lot!

I can still box me for what I have gambled away everything. Sour hard earned money in OC verballert. What could you have bought with it everything nice. But well it can no longer be changed.

Take this contribution please as a warning for others-----LET THE ZOCKEN BE!!!!! Gambling addiction can ruin you!

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