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Gambling addiction in general: I am at the end... (Page 3)

Topic created on 01st Apr. 2018 | Page: 3 of 4 | Answers: 35 | Views: 12,338
S****8

I am at the end...

3rd Apr. 2018, at 11:31 am CEST#21
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Iseedeadpeople wrote on 04/02/2018 at 10:23 am
such a thing is not offered to a normal mortal borrower. there must have been more going on in the background that you didn't know about and your brother was lucky with such a lawyer and now? is he game free, Debt free?

i agree with that !
So from 50k only 3000 pay that is already more than strange !
Can you somehow not really believe ! ?

... ... ... ... ... ... ... ... .

and clearly it goes always further however a private insolvency has more shade sides than release!
Although reminders etc.remain out but everything over the Pfändbaren range is we pulled in ...
Know this from a colleague ...if we get fat holiday Bonuses he must cede it!

Unfortunately, everything goes today only about Schufa...even housing search ...

@rs1747

1500 € net ?
Then so much gambled away ?
Since I am simply missing the words !

and to think of a house sale is more than a cheek and egoistic thought ...
Your relatives would stand because of your Gambling addiction on the street !!!???

And dwellings getst today no more so fast...current housing shortage in Germany!
Even here in the country ...

Pinch your ass cheeks together ...look for a therapy and a debt counseling and above all stop gambling!

All the best !

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Anonym

I am at the end...

3rd Apr. 2018, at 11:57 am CEST#22
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I do not know why people always have so much rumsabbeln and say 3k of 50k bla bla does not go... if you have no idea etc... the client had no income was highly addicted to gambling... and would not have only one creditor... no income... and it comes to if he has gambled online you can also use that against the bank... I got a similar settlement almost 10 years ago... 90k Debt 15k paid immediately 5 k installments..at that time I was 21...(have 2 months ago with my lawyer with a good friend 35k debt to 5 k push... at an age of 31 years...) it can be much settled with a lawyer the banks are anyway insured against credit default...most just have no idea how the system works... and the banks do not point you to it....

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P****1

I am at the end...

3rd Apr. 2018, at 12:18 pm CEST#23
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Sweep88 wrote on 04/03/2018 at 11:31 am
i agree with that !
So from 50k only 3000 pay that is already more than strange !
Can't really believe it somehow ! ?

... ... ... ... ... ... ... ... .

and clearly it goes always further however a private insolvency has more shade sides than release!
Although reminders etc.remain out but everything over the Pfändbaren range is we pulled in ...
Know this from a colleague ...if we get fat holiday Bonuses he must cede it!

Unfortunately, everything goes today only about Schufa...even apartment hunting ...

@rs1747

1500 € net ?
Then so much gambled away ?
Since I am simply missing the words !

and to think of a house sale is more than a cheek and selfish thought ...
Your relatives would stand because of your Gambling addiction on the street !!!???

And dwellings getst today no longer so fast...current housing shortage in Germany!
Even here in the country ...

Is a lot of half-knowledge with which you throw around here. Is not meant badly by. Only it stings one strongly in the eye. Locke2kk has brought it well to the point.

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rs1747
Rookie

I am at the end...

3rd Apr. 2018, at 12:22 pm CEST#24
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The debts do not come 100% only from gambling. As a highly addicted gambler, you quickly lose touch with reality, the stakes get higher and higher, and the game gets riskier and riskier, in order to "win back" what you've lost.

This is very well possible even with 1500 net. When I had not yet so high debts remained to me in the month approx. 600 euro. Calculate alone times that on e.g. 24 months and already you are with ~15k and if one is already so deeply in the addiction in it gambles away one not only the money which one has at the disposal...

You know in that moment that it doesn't work, but you think to yourself 40k Debt or 41k debt... What difference does it make? Maybe the big win will come today.

I am already in therapy and as I have already written, selling the house would only be an option if I lived alone in it and no one else had any claims. I actually only mentioned this as a precaution to avoid comments like "just sell your house and you'll be out of debt".

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Anonym

I am at the end...

3rd Apr. 2018, at 12:50 pm CEST#25
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rs1747 wrote on 03.04.2018 at 12:22 pm: The debts do not come to 100% only from gambling. But probably 2/3. As a highly addicted to gambling, you lose there quite quickly the connection to reality, the stakes are always higher, the game more and more risky, to "win back" the lost again.

This is very well possible even with 1500 net. When I had not yet so high debts remained to me in the month approx. 600 euro. Calculate alone times that on e.g. 24 months and already you are with ~15k and if one is already so deeply in the addiction in it gambles away one not only the money which one has at the disposal...

You know in that moment that it doesn't work, but you think to yourself 40k Debt or 41k debt... What difference does it make? Maybe the big win will come today.

I am already in therapy and as I have already written, selling the house would only be an option if I lived alone in it and no one else had any claims. I actually only mentioned this as a precaution to avoid comments like "just sell your house and you'll be out of debt".

Hey, unfortunately you would have no choice if the bank insist on their money and send you a dunning notice bailiffs etc. If they see in the land register that you have property you have to sell it very well ... or your relatives have to buy your piece of the house from you .... unfortunately that's the way it is and if you haven't paid your installments for a while the bank will cancel your loan and the sum will be due immediately!!!So if it's not too late you should think about not paying any installments..unfortunately you won't get out of this number so easily.debt settlements can only be made if you don't own anything on paper that can be turned into money.But you own a 1 / 3 of a house and have a regular income..therefore there would be no debt settlement with you ... I think even if you want it tough ... they will auction the house and pay out all...except just your part ... if you can not pay your debts or someone buys you the piece of your house! Is the house the paid off?sounds tough now but that's the reality ...
and if something is to get with you... let most banks do not negotiate with them... is the unfortunately shit no matter whether you lose your home or not....

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rs1747
Rookie

I am at the end...

3rd Apr. 2018, at 02:11 pm CEST#26
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I don't know 100% for sure how this is written. I even think that my mother is still registered as owner and I only as heir. In that case she could theoretically "disinherit" me. Another possibility would be to sign over the house to one of the other relatives.

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rs1747
Rookie

I am at the end...

3rd Apr. 2018, at 02:13 pm CEST#27
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The house is also paid off and is not in my loan as collateral.

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Anonym

I am at the end...

3rd Apr. 2018, at 02:18 pm CEST#28
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If you only stand as an heir in it is not your property... if you sign over the house to act as if you had nothing is fraud... depending on criminal record etc. also with imprisonment to expect...


PS: just because you have not given the house as collateral, does not mean that it is not distrainable... if the bailiff comes to you he can seize anything that is not "normal"... and a house... is not normal... because you can sell it and then live in rent...

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rs1747
Rookie

I am at the end...

3rd Apr. 2018, at 02:20 pm CEST#29
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If I am not listed as the owner and my mother signs it over to my uncle, for example, that is not fraud.

My mother can do what she wants with it (as long as I am not registered as the owner - I have to check that)

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Anonym

I am at the end...

3rd Apr. 2018, at 02:24 pm CEST#30
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Of it was not the speech I meant only if you as the owner it if other überschreibst to avoid the SChuldenabbau so... OBs your mother or your uncle belongs does not matter. as long as in your loan no one has guaranteed... if your mother has guaranteed it is the same principle... the debts belong to "you alone" your family is not pulled there with ran....



PS: that's why I wrote above if you on the "PAPER" nothing belongs... what you have under your bed is your business ^^

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