Coping, therapiers, tips... : Debt reduction, debt restructuring - Who can offer honest help ?
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Debt reduction, debt restructuring - Who can offer honest help ?
Nobody has liked this post so far
many here know me as someone who occasionally gives a constructive (in my opinion) comment on various discussions and I have also never argued with anyone here in the forum or always have to give my two cents.
This in advance to show that this is a really serious request and not some begging for money or paysafe cards.
I could write a long story now, but that would be too confusing.
Therefore very short honest facts.
I got into online gambling 11 years ago by accident, not because I wanted to get rich, but because I am self-employed and had fluctuating income, so I wanted to create a financial cushion for me and my family, so to speak, which is very risky
Unfortunately, due to relatively good income with my company, I took too much money from the company and instead of making important company investments, I gambled away a lot, including private money from relatives who supported me.
That was mostly about 2000 - 3000 euros a month, there are in 10 years quite 300,000 or more together.
Anyway, the tax office and the tax office notice that. So I had nice earnings, but invested too little in the company and did not pay my bills.
The result is that I had high income, but I didn't invest anything in the company, but took everything out for myself privately. Then it was so far that I had of course extreme tax arrears, to be able to cope, I took out loans, partly at 12% and have several credit cards, eg Barclaycard where I pay 16% interest and still do not come down from the debt.
Since I am self-employed and have a bad Schufa score due to all these things, no bank will give me a loan anymore, and if they do, it's at 15% or 20%.
That means I have quite good monthly income through my company, but I can't make any expenses for the company, because I need all the money for private Debt reduction.
The result is that I give the following as an example:
I have 6000€ minus on my Barclaycard credit card and pay off about 100 € monthly for it. But they charge 16% interest, so the credit amount increases every month again by 90 euros.
So I can never get out of debt.
Insolvency is out of the question for me, since I actually have high income (i.e. I also make decent company profits) but everything goes towards paying off my private debts.
My question is: can someone help me?
I don't gamble anything anymore, except when there is a PSC.
Please do not misunderstand, I want here from any of the small gamblers 10 euros given.
I am more interested when I read here that some have already won 50,000 this year, whether someone would be willing to offer a debt restructuring, where I pay my 5% interest to get off the whole 12 - 16% credit cards down.
If anyone has any constructive input on this I would appreciate any help.
But please spare me harsh criticism, this is really a request for help from a loyal forum member here, not a begging thread.
And my request is really only for those who have really won tens of thousands and can offer a hand instead of gambling away the nice win again themselves.
Remaining, credit at auxmoney etc. I already have, but they are also at 10-14% + 30% residual debt Insurance, than that is the end of every borrower there......
So I'm really looking for an honest way of debt restructuring, where I get rid of all my credit cards and the insanely high interest rates, I could pay off around 500 euros a month.
Who can not help or would like but maybe a good idea or similar Erfahungen or a similar problem and can give me tips and advice......
Please feel free to contact me via PN, who has a suggestion.
This post has been translated automatically
Debt reduction, debt restructuring - Who can offer honest help ?
Nobody has liked this post so far
This post has been translated automatically
Debt reduction, debt restructuring - Who can offer honest help ?
Nobody has liked this post so far
" Begging threads
Some users tried to borrow or beg money through the forum in the past. Some of them were honest and said that they needed it for gambling, others faked some other reason. Begging threads usually have no or minimal success and only lead to unrest in the forum. We have therefore decided to ban threads of this type on principle."
I am therefore forced to close this thread, please do not take the whole thing personally. But otherwise you would have to listen to the end again reproaches why this is tolerated with you and not with others.
This topic was closed
This post has been translated automatically