Gambling addiction in general: I am at the end... (Page 2)
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I am at the end...
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I also have hardly any possibilities to pay off anything, because I have hardly any financial leeway.
That was also one of the reasons I've been playing lately. "I'm already screwed. 1000 euros or not doesn't matter anymore. Maybe I'll be lucky and win a big prize..."
Currently it is so that I earn about 1500 euros net. From this I have to pay 600 Euro in credit installments. I live in my parents' house and am registered as the owner. The costs for electricity, water, internet, Insurance are about 600 euros. That leaves 300 euros for food, bus fare, etc.
With a Debt restructuring no bank plays along. I have tried many times. But as soon as they enter my data, everything lights up red and they say goodbye with a nice handshake.
If you take everything together, the debt + interest and fees total just under € 50,000.
The problem with the private insolvency is, among other things, the house. Normally such a house is part of the insolvency estate. If I could I would sell the house immediately and would be asm blow all debts.
The only problem is that there are 3 relatives living in the house, who have the right to live there for the rest of their lives. This makes the whole thing even more complicated.
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I am at the end...
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What I nciht okay is that you blame the bank here! The bank is not your court-ordered financial manager and therefore they do not have to interfere in your private money flows. It is unfortunately exactly the other way around, as you wrote it! The bank would make itself punishable EXACTLY THEN, if they would intervene (without judicial order) in your payment transactions. The bank is a service Provider and does only what you tell it to do. And NOT your protégé, who has to take care that you don't do anything stupid. Likewise, the bank is not liable to prosecution if you play in online casinos. Look at the laws! The casino is acting illegally (this is something different than "punishable") and only YOU are liable to prosecution! The bank is fine out of it (which law should they have also violated...?)
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I am at the end...
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I am at the end...
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But you should not sell the house! Because if you get 50.000-100.000 Euro for it, you would bring yourself as a highly addicted gambler to ruin. You would say, well times 1000 euro of it to play take and 20,000 from it make. The result would be that you would keep adding thousands and gamble away your house.
You have 50,000 debts, if you pay off 200 - 300 a month it will take a while but it is possible to do it.
For me it looks a lot worse, I don't have more debts than you, but I lost a lot more in the last 10 years, for which I still blame myself.
But with 30 nothing is lost yet.
However, you have to develop the desire not to gamble anymore.
Or you have to leave all your money matters to someone else (wife, girlfriend, brother), e.g. by transferring the money to another account where you can't reach it yourself.
If you have reached the limits of your credit cards, that should be the end anyway, because you can't Deposit anything with it anymore.
Unfortunately, no one here can really help you, except to talk you into it. Unfortunately, many here are addicted to gambling themselves, but maybe it helps some and also you if you see that you are not the only one who is so.
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I am at the end...
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@gamer777 Yeah that's one of those things with the house....
I agree with you about gambling away the "money won" by selling. But doesn't matter much anyway since the situation is very tricky.
The house belongs basically times to my mother. My father died early, my mother can not afford the house because she has only a small income and lives with her new partner.
That is why I am registered as heir or meanwhile owner of the house. A sale would not be possible anyway, because as I said, 3 relatives of mine still live in it, who have lifelong right of residence.
That means: In case of a sale, I would have to pay out the affected persons accordingly.
I want to finish with the gambling now once and for all and make a therapy in this respect. What remains is a, in my eyes, tricky situation with a large mountain of debt.
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I am at the end...
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LG
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I am at the end...
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An example, roughly in your order of magnitude:
My brother in the flesh, a full-blooded gambler, was in a similar situation 10 years ago as you are now.
Checking account at Citibank, 6000 Euro overdraft, very good salary. By Zochen every few months exhausted, rescheduled on installment loan, etc..
Also arrived at about 50000 credit, exhausted Dispo, unpaid electricity bills, etc, no more rescheduling, bank said stop. He then quit his job, took a severance package, something like 16000, paid some bills, gambled away the rest, with the wife also leaving him (which I had congratulated him on, but that's another story).
To cut a long story short, the 50k credit and 6k overdraft were still there, and he without a job, with a block at the employment office, because he gave up his job.
And then he went to a lawyer, described everything. And he made him the following offer: He should transfer him 100 euros a month and bring all the letters from creditors to him.
Citibank: Apparently the lawyer had threatened the bank with private insolvency, in any case, my brother had just under 2 months later the following offer: 3000 euros to pay and be completely Debt-free (!) at the bank. So for 3000 euros to pay off the 50+k euros.
I was amazed, asked me woführ I actually work and pay bills. But I begrudged him.
But it goes on: The lawyer said no, does not go, only in installments! He made the bank the offer to serve the 3000 Euro to 30 (!) Euro monthly. Finally, the bank agreed to 50 euros monthly installment, until 3000 paid off and thus debt-free.
This as an incentive, I think you can negotiate with the bank a lot. All not so black, if you now pull the brake.
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I am at the end...
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something like this is not offered to a normal mortal borrower. there must have been more going on in the background of which you have not noticed and your brother was lucky with such a lawyer and now? he is free of play, free of debt?
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I am at the end...
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dear thread creator, there is in Germany as a last resort the private insolvency. Go to a Debt counseling and discuss it with them.
Do not try to negotiate on your own with the banks and creditors any installments that you can not pay anyway.
What will happen if you do not pay? Nothing will happen. They can't do anything to you. In the worst case a bailiff comes, he looks around and if you have nothing valuable he leaves.
The problem is that most people are afraid and you don't need that.
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I am at the end...
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First do the therapy and the social workers know how to talk to debtors and help you there
Surely further
Head high always goes on ne!
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