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Coping, therapiers, tips... : Private insolvency file refusal residual debt? (Page 4)

Topic created on 02nd Feb. 2020 | Page: 4 of 4 | Answers: 33 | Views: 15,588
refucs
Expert

Private insolvency file refusal residual debt?

24th Dec. 2022, at 08:09 am CET#31
1 Like

Liked this post: Avatar von Massakaplayer Massakaplayer

Massakaplayer wrote on 24/12/2022 at 06:19: Hello everyone,

i'll give you an update after the very long time what happened with my case and how to proceed now

My goal was always to keep my financial situation a secret from friends and family, the addiction has put me in an extremely difficult position and you are so ashamed of it, do not want to admit it yourself and hide everything. Until it came to the point that I could not hide my strange behavior from my parents. They noticed it, friends noticed it, I was under so much pressure over a long period of time that it makes you unhappy to die.

When my parents found out, they reacted in a completely different way than I would have expected. They agreed to pay for a very large portion to help me out of the black hole I had long since fallen into. In numbers, my parents lent me about 50%. I am very grateful for it, it is a privilege to have such parents

Concerning the remaining Debt, I can mention that according to my understanding at that time, the private insolvency would not have helped me. Therefore I had tried to win time by describing my financial situation to some creditors. My house bank actually went along with it and deducted small installments from me. Most of the creditors wanted the whole money directly, including a reminder, threat of a bailiff, etc. I had to pay them back. If my parents had not stood up for me, things would have gone very badly for me

Unfortunately, I have to admit that there were some relapses and whether it might not happen again in the future is uncertain. Gambling addiction is by no means to be underestimated a very hard drug. Fortunately, when it came to relapse I never played beyond my means, I mean amounts around 200€ maximum. You probably think he's out of his mind, rightly so, and what I have to admit to myself is faith. I don't believe in never gambling again, but in never gambling away what I can. Honestly, I'm even proud of it, especially since my income is now quite good and I no longer build a shit like before

With the consequences and Schufa entries I live now for years and the next few years, with debt but controllable rates. Of course, I do not get my own apartment and live in shared apartments. Otherwise, I can not complain forecast it goes uphill. Debts will continue to be paid and after 5 years at the latest, everything should be in the green financially. No more debts, no Schufa entries, some money aside and good.

From the fast money and other dreams I see off, I will never again loans conclude even if financing could be worthwhile I will not do. The most desirable thing for me is freedom in life, nothing is more precious. The freedom I will still have to fight for then I'm so happy, is enough for me to have no dependencies do not need a dream house, luxury car, jewelry, etc..

You know, when you fall so low in life, you appreciate many things that you took for granted before. I am glad to have taken at least these insights with me and look forward optimistically

If anyone from the forum would like to talk feel free to leave me a PM, we can exchange ideas. Wish you all only the best dear community.

Greetings your Massakaplayer



Thanks for your update.


Can fully understand your lines, with me it was and has been 1 to 1 similar and I can understand you very much. You certainly don't need to be ashamed (anymore)

A life without lies and pressure is so much better and more pleasant. And if you can at least control your gambling addiction without destroying yourself financially again, that can also be a point to live with.

And if one has fear or question marks before the private insolvency, one can deal also nevertheless still well with threats and reminders. After all, there is the P-Konto with the personal allowance where no one can. And if you submit a statement of assets and liabilities to the GV, you can continue to live despite debts and without private insolvency for the time being, without creditors being able to do anything to you.

This post has been translated automatically

streetworksusi
Rookie

Private insolvency file refusal residual debt?

12th Jan. 2023, at 10:22 am CET#32
1 Like

Liked this post: Avatar von Massakaplayer Massakaplayer
Hello,

i can only agree with you. It is important to get help. I think it's not only the financial side, but also the personal side. You have to learn to deal with your problem. That also means taking the bitter road and getting help. The financial damage can certainly be resolved well with a Debt settlement through a debt counseling center. But I also think that you have to work on your problem, so that debts are not built up again and you do not get back into the "vicious circle". For this, an addiction counseling center is the appropriate contact. And I also think, as you have already said, that a life without pressure and lies is much better and that one is much better off with it.

This post has been translated automatically

HuKu_Koln
Rookie

Private insolvency file refusal residual debt?

19th Jan. 2023, at 01:41 pm CET#33
2 Likes

Liked this post: Avatar von Massakaplayer Massakaplayer, Avatar von Max_Bet Max_Bet

Hello Massakaplayer,
in your first post you wrote that you beat the gambling addiction. Addictive diseases are chronic relapse diseases. That is, they are diseases that are symptom-free during abstinence, but can return as a full screen if you relapse.

As you describe, you yourself have experienced that this can happen, and it is also perfectly common for relapses to happen. From experience, it can be helpful to see the relapse as part of the disease. That can be relieving. You wrote that the last time you relapsed you were able to limit your boundaries to a reasonable level, which is certainly a huge improvement over the past.

Addiction therapy can help you to find a stable way of dealing with relapses, so that excessive gambling does not occur in the long term, but remains with the relapse. There are several inpatient and outpatient programs for this in Germany, and it should be distinguished from psychotherapy.

In general, it can be useful to first address the cause of the Debt and then to regulate the debt, because all the debt regulation is only helpful as long as no new emergence. Gambling debts and personal insolvency is not generally excluded. Here it depends on the individual case, there is a debt counseling in your area the appropriate contact.

If you have any questions, please contact us.

Greetings

This post has been translated automatically

streetworksusi
Rookie

Private insolvency file refusal residual debt?

23rd Jan. 2023, at 08:27 am CET#34
1 Like

Liked this post: Avatar von Massakaplayer Massakaplayer
Hello,

i can only agree with my colleague from Cologne. Thank you for your contribution. I work in a counseling center in Bavaria and I think that if someone suffers very strongly from Gambling addiction, then he needs help. Whether he goes to a counseling center or gets help from someone else, he then decides for himself. In any case, there are suitable counseling centers all over Germany. I think that the way there is very difficult for many. But it's worth it in most cases, because you get very professional advice there and it's also relieving.

Many greetings


Susanne

This post has been translated automatically

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