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Gambling addiction in general: Insolvency and gambling addiction

Topic created on 01st Dec. 2023 | Page: 1 of 2 | Answers: 15 | Views: 1,347
Maleki
Rookie
Hello everyone,

i had myself blocked before the OASIS changeover. With the new regulations, I had myself unblocked again. I completely gambled away the money I had saved up until then (approx. €8,000). The addiction spiral kicked in again - I took out loans and gambled them away. I've been in Debt for about €100,000 for a year and am now unemployed. Insolvency is unavoidable. 5 monthly installments in arrears - approx. 6,000 €. I can't pay these back. One chalk contract already terminated. I have applied for a counseling certificate from the local court. Caritas, etc. is extremely full (12-month waiting period), therefore only possible through a lawyer.

Does anyone have experience with a situation like this? Including insolvency? I don't have a loan from my bank. So the banks shouldn't be aware of the gambling (except for my house bank because of direct debits).

I'm at rock bottom - I don't know what to do. If the new rules had never been introduced. Others in the casino told me about the same fate. What were the politicians thinking? I know I'm partly to blame... I was doing so well without gambling. And then the spiral... I get the money back. The same thing every time. And when big wins came... there goes more - bang. As if a switch had been flipped - nothing works anymore. Then later in the evening... everything's gone..

This post has been translated automatically

gamble1
Legend
Hey Hey

So basically Gambling addiction and insolvency is always such a thing on the one hand you can be denied the discharge of residual Debt if you have gambled on average in the last 6 months when you already knew you were broke on the other hand it would also be a criminal offense whereby you would then have to confirm your addiction by a doctor to get reduced culpability

First of all, if your creditors somehow find out something about gambling, they can report this to the court because they logically want their money in full and preferably enforceable for 30 years

If I were you, I would first go to a debt counselor who can assess what is right, an insolvency in a self-attempt or hastily or with bad advice can backfire badly because you must never forget that people want their money back what they have given you and some dig very very deep

May I ask why you didn't go straight back into Oasis? I mean it's much safer for an addict than the old locks ?

Either way life goes on the important thing is to stop gambling completely

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Max_Bet
Expert
Maleki wrote on 01.12.2023 at 03:08:I don't have a loan with my house bank. So the banks should not be aware of the gambling (except for my house bank because of direct debits).


If your house bank knows, all the other banks know too, or it's very easy for them to get the information.
Banking secrecy no longer exists in Germany.

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Maleki
Rookie

gamble1 wrote on 01.12.2023 at 04:04: Hey Hey

So basically Gambling addiction and insolvency is always such a thing on the one hand you can be denied the discharge of residual Debt if you have gambled on average in the last 6 months when you already knew you were broke on the other hand that would also be a criminal offense whereby you would then have to confirm your addiction by a doctor to get reduced culpability

First of all, if your creditors somehow find out something about gambling, they can report this to the court because they logically want their money in full and preferably enforceable for 30 years

If I were you, I would first go to a debt counselor who can assess what is right, an insolvency in a self-attempt or hastily or with bad advice can backfire badly because you must never forget that people want their money back what they have given you and some dig very very deep

May I ask why you didn't go straight back into Oasis? I mean it's much safer for an addict than the old locks ?

Either way life goes on the important thing is to stop gambling completely

The addiction and the hope to finally make big wins to get out again. the spiral has prevented me from getting banned again. I will get myself banned again. But the problem is... in a year's time I can have myself unblocked again without any problems.

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Ne1z23
I lost pretty much everything through my gambling addiction. I was self-employed and also had a proper job or work on the side. From 2017-2019, I gambled away almost 300,000 euros. It all started with sports betting and a Tipico fraud case. I think it was around 800 euros... which I wanted to get back because I was pretty angry with this club. And so it started...I used a Deposit bonus from BetWay out of frustration and got stuck on the slots. Funnily enough, I was previously against these Slot machines, as I knew that they were programmed and the system determines whether you win or lose. After almost 2 years, it all came to light and I was no longer able to intercept the yellow letters etc. or pay them on time. The house of cards gradually collapsed. Even with somewhat larger wins, such as the major Jackpot at BetandHome (€25,000.00), the losses were still enormous. However, I had also lost my relationship with money and no longer realized how much I had gambled away. One evening, I actually gambled away €7,000.00 within 5 hours. Back then, depositing via PayPal was very easy and you could deposit large sums in a short space of time.

I was at DrueckGlueck VIP Diamond, I was also at BetatHome VIP, mybet VIP and a few more.... But it always got bad when you won something...Hardly any casino paid out without problems back then. The only casinos that really paid out within hours were mybet and BetatHome...but this is no longer the case.

Unfortunately, I couldn't get anything out of the supposed "get your money back" offers either. Maybe I was too late. The lawyers couldn't get anything from any of the casinos and I'll never see the money again. If the casinos had been as bad back then as they are today, I certainly wouldn't have deposited and lost so much money.

Best regards

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Falko
Icon
100,000 euros in Debt is a real plank.

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gamble1
Legend

Maleki wrote on 01.12.2023 at 10:23 am:

The addiction and the hope to finally make big wins to get out. the spiral has prevented me from getting banned again. I will get myself banned again. But the problem is... in a year's time I can have myself unblocked again without any problems.

You can understand that if you have the addiction in the back of your mind and yes, you can easily unblock yourself, but if you specify 10 years now, for example, you actually have to wait until the 10 years are up, I mean it's only easy if you specify 100 years now, for example, or no period at all

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Maleki
Rookie

gamble1 wrote on 01.12.2023 at 14:50:

You can understand if you have the addiction in mind and yes you can easily unlock yourself but if you now give e.g. 10 years you actually have to wait until the 10 years are over I mean it is only easy if you now give e.g. 100 years or no period at all

None of this matters. According to OASIS, you can unblock yourself in Darmstadt with a form within a blocking period of 1 year.

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streetworksusi
Rookie
Hello,

my name is Susanne and I can totally understand how you feel right now. Somehow everything seems pretty hopeless. You get the feeling that it's a vicious circle that you can't get out of. I have experienced and accompanied many people with such a fate. As a counselor at an addiction counseling center, I always suffer with my clients when they tell me something like this. The question always arises in the people themselves: "How could something like this happen? Why haven't I managed to stop and still can't?"

But I also want to give you a lot of encouragement. After all, I've been helping gambling addicts for 13 years. And there really are a lot of people whose situation initially seems hopeless and who now have their lives back under control. But for all these people, it was not an easy road. Try to face your problems and your fears. Get your affairs in order. Try to reduce your debts or go into personal insolvency so that you can get this problem out of your head for the time being. Sometimes it's enough at the beginning to make a phone call to your creditors or write to them to tell them that you're seeing a lawyer so that they don't keep sending you more letters. Try to set yourself small goals. Take good care of yourself, exercise - do something to clear your head. Meet up with people, talk to family if it's good for you.

And if you need further help or support, there is also online gambling advice on the "PlayChange" platform on the Internet. You can find me under the name "Susanne Schmidt". Otherwise, feel free to write to me directly here if you have any questions. Or send me an email at suchtfachambulanz.donauwoerth@caritas-augsburg.de

Don't give up! It's worth fighting for!

Best regards


Susanne

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needle34
Expert
If you can't pay off your debts, bankruptcy is the way to go, three years and you're Debt-free. Just do it . Lg

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bruffl
Expert

gamble1 wrote on 01.12.2023 at 04:04: Hey Hey

So basically Gambling addiction and insolvency is always such a thing on the one hand you can be denied the discharge of residual Debt if you have gambled on average in the last 6 months when you already knew you were broke on the other hand that would also be a criminal offense whereby you would then have to confirm your addiction by a doctor to get reduced culpability

I had a look in the STGB.

According to my interpretation, it's only a criminal offense if Maleki continues to gamble or to put assets aside after he has filed for personal bankruptcy.
Please correct me if I'm wrong.

@Maleki you won't be the first to escape this vicious circle. Good luck with that!

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B****e

Maleki wrote on 01.12.2023 at 03:08: Hello everyone,

i had myself blocked before the OASIS changeover. With the new regulation I had myself unblocked again. I completely gambled away the money I had saved up until then (approx. €8,000). The addiction spiral kicked in again - I took out loans and gambled them away. I've been in Debt for about €100,000 for a year and am now unemployed. Insolvency is unavoidable. 5 monthly installments in arrears - approx. 6,000 €. I can't pay these back. One chalk contract already terminated. I have applied for a counseling certificate from the local court. Caritas, etc. is extremely full (12-month waiting period), therefore only possible through a lawyer.

Does anyone have experience with a situation like this? Including insolvency? I don't have a loan from my bank. So the banks shouldn't be aware of the gambling (except for my house bank because of direct debits).

I'm at rock bottom - I don't know what to do. If the new rules had never been introduced. Others in the casino told me about the same fate. What were the politicians thinking? I know I'm partly to blame... I was doing so well without gambling. And then the spiral... I get the money back. The same thing every time. And when big wins came... there goes more - bang. As if a switch had been flipped - nothing works anymore. Then later in the evening... everything is gone..

I can only advise you to also get yourself banned for Gambling addiction in every casino where you are registered.


I did the same when I had the feeling I was going in the wrong direction.

Write directly to the casino and ask them to block you because of gambling addiction, then you can't open it again.

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needle34
Expert
Without therapy and the right environment, you will always be and remain addicted to gambling.

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gamble1
Legend
bruffl wrote on 11.12.2023 at 12:35 pm:

I had a look in the STGB.

According to my interpretation, it is only a criminal offense if Maleki continues to gamble or set aside assets after he has filed for personal insolvency.
Please correct me if I'm wrong.

@Maleki you won't be the first to escape this vicious circle. Good luck with that!

take a look here :


A custodial sentence of up to five years or a fine is imposed on anyone who, in the event of over-indebtedness or imminent or actual insolvency :

1.
Who, in the event of over-indebtedness or imminent or actual insolvency, sets aside or conceals parts of his assets which would form part of the insolvency estate if insolvency proceedings were opened, or destroys, damages or renders them unusable in a manner contrary to the requirements of proper business practice,
2.
enters into loss-making or speculative transactions or contracts for differences in goods or securities in a manner that is contrary to the requirements of proper business practice or spends or owes excessive amounts through uneconomical expenditure, gambling or betting,


The decisive factor is always the point in time when the actual situation can be recognized


The discharge of residual Debt in the private insolvency is denied if one of the grounds for failure exists (Section 287a et seq. InsO):

  1. You have not completed your insolvency petition correctly.

  2. You have been convicted of insolvency offenses (Sections 283 - 283c StGB) with final and binding effect.

  3. You have made false written statements about your financial circumstances.

  4. You have incurred unreasonable liabilities or squandered your assets.

  5. You have delayed the opening of insolvency proceedings.

  6. You have breached your obligations to provide information and cooperate.





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bruffl
Expert

gamble1 wrote on 11.12.2023 at 20:14:
look here :


A custodial sentence of up to five years or a fine shall be imposed on anyone who, in the event of over-indebtedness or imminent or actual insolvency :

1.
Who, in the event of over-indebtedness or imminent or actual insolvency, sets aside or conceals parts of his assets which would form part of the insolvency estate if insolvency proceedings were opened, or destroys, damages or renders them unusable in a manner contrary to the requirements of proper business practice,
2.
enters into loss-making or speculative transactions or contracts for differences in goods or securities in a manner that is contrary to the requirements of proper business practice or spends or owes excessive amounts through uneconomical expenditure, gambling or betting,


The decisive factor is always the point in time when the actual situation can be recognized


The discharge of residual Debt in the private insolvency is denied if one of the grounds for failure exists (Section 287a et seq. InsO):

  1. You have not completed your insolvency petition correctly.

  2. You have been convicted of insolvency offenses (Sections 283 - 283c StGB) with final and binding effect.

  3. You have made false written statements about your financial circumstances.

  4. You have incurred unreasonable liabilities or squandered your assets.

  5. You have delayed the opening of insolvency proceedings.

  6. You have breached your obligations to provide information and cooperate.






I am not a lawyer.

Of course Maleki has realized that he is broke.
If that's the case, then in principle every highly indebted
highly indebted gambling addict is guilty of delaying insolvency.

In principle, the burden of proof lies with the court.
And proving that the defendant should have recognized his insolvency
should have recognized his insolvency earlier is likely to be difficult.

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