Internet gambling debt

Hey Duck,

Please keep the site updated on what your attorney friend says. I would greatly appreciate it. I'm not taking any medications.. .just have a very bad addiction, but am getting help through GA.

First of all, ive been through the collection process and ive owed igmpay, citadel, navaho...pretty much all of the payment processors there are today and Ive been playing for about 7 years.

DO NOT PAY A DIME TO THESE CROOKS. And do not be intimidated by collectors trying to collect this debt. I must have paid 5k to these guys when i finally realized that they cant do anything to your personal credit, nor can they report you to chexsystems. Its all an intimidation game. Next time they call, you call their bluff of taking you to court, or garnishing your wages.etc...believe me they cannot. They never have, and they never will. This would only apply to transactions that deal with your checking acct of course, however, with credit cards, its a different kind of headache.

I owe about 40k to my credit cards but they are all from internet gambling. These are not enforceable as well and credit card companies go through great lengths to keep this from the public. Thats why you;ll hardly find any information about people having their debts absolved simply by hiring a lawyer to talk to the banks lawyers. Its a simple one conversation phone call that will clear all of your debt. However, the fact of the matter is, if your delinquent in payments, it will stay on your credit file. I just got 21k cleared from my credit cards and im still working to clear the rest.

I know that its wrong to do this but I dont feel sorry for the bank who knowingly processed my transactions for profit and i really dont feel sorry fot those shady internet sites that rake in millions of illegal dollars in revenue.

WHat i am sorry for is the .00001 percentage increase in apr i will cause other card holders and for that i apologize. I obviously dont gamble anymore online. Its a futile hope to ever win anything and it causes nothing but problems ahead.

good luck to all who are in my shoes.peace out!

internet gambler

btw...do not intend to keep playing after doing this b/c you wont be able to. and when choosing representation, find someone you trust. Do not speak to customer service reps at the credit card companies, go straight to the supervisor and always ask to stop any recording of the conversation. if they refuse, just repeat the request three times, its policy for alot of creditors to stop tape after the third request...i think i can write a book about how to deal with creditors and third party collectors...whenever someone calls, they usually hang up on me and not the other way around. Consumers have more rights than these people want you to believe...and believe me, whatever anyone tells you about what they can do to your credit, or anything that has to do with legal ramifications, dont be scared and just laugh by telling them that the person who decided to purchase this debt just lost money and that they should just sell it to another agency as quickly as possible. My firepay debt, which i racked up to 18,000 went through 2 different agencies until it came back to firepay. when i received a phone call from firepay collections, i then realized that collection agencies cant do squat. firepay has stopped calling me ever since....i would think 18,000 is enough to pursue collections, but since they know that its uncollectible they move on to the smaller debts and hope the intidimidation games work on other people who dont know any better. remember, do not negotiate anything. just tell them you dont have the money and if they ask for your lawyer, tell them to call larry h parker. i actually had one collector tell me that he negotiated with him a settlement amount for less than the full balance...i was lmao.

I had a gambling problem myself about 2 years ago. Bounced on over 2500 from citadel and about the same from neteller. They tried calling for a while, and if I remember correctly I took my phone and left it next to the radio. I checked the phone at random to see when they'd hang up and I remember the caller staying on for up to 20 minutes at times...lol. The calls stopped and I have never heard from them since then.

So I owe about 3000 to JMC for internet gambling debts. I keep getting calls. I have read the threads and some of you say I should send a debt validation letter? Can you explain what this is? If I send it, and include that these were internet gambling charges that I have had reversed by my bank, would this hold up?? What do you suggest> Im in NJ.

i suggest just not answering the calls and hopefully it will stop. I am in the same boat and am going to try it. lets keep each other poster. Also, these bozos know it is an illegal gambling debt, so i dont really know what the point is in sending a letter. When i talked to them last they told me to write the check out to Click2Pay, and i told them it was for gambling and they tried to tell me it wasnt illegal because it was through my checking acct. i say screw em, but i guess time will tell.

I think the debts should be paid.

and maybe i would feel like paying them if beted didnt stiff me for 5K. Hell with 'em.. Nobody pay these crooks.

I'm sorry you feel that way lip. But 2 wrongs don't make a right. I may not be the smartest person here, but if the money came out of your checking account it seems to me that they can do something to collect it. If I'm mistaken I apologize. I know many people who won money and got "stiffed" but they moved on and stayed away from the "crooks". I wish you luck with what you are dealing with.

No hard feelings Skippi, and i understand what you are saying, but right now i need money to eat and live and not worry about my credit. And also, i do know of some people that have not paid them, and it never even hit CheckSystems. I really dont think there is anything they can do. I would pay them if i could, but i cant, co i guess i will find out want happens in time.

Thank you lip--no hard feelings here either. I truly hope everything works out good for you.

yo lip, you have nothing to worry about. Next time they call you, just tell them to do their worst. At one point,i was in your shoes, uncertain, uneasy, etc.. what was the consequence. Absolutely nothing. Chexsystems OK, Credit report OK. Its now been 3 yrs. If you want them off your back, just send them a cease and decist letter, change your number, and stop gambling. because you will be banned at many places, but view this as a good thing. Internet gambling sucks, u might as well stop now b4 its too late,...Ive dealt with all kinds of scum collectors and i know the quickest and foolproof way is to call their bluff. you have the nuts, but they have all the chips. its a nobrainer[/center]

Hey internet gambler. A couple of days ago i called one of my creditors and spoke with a supervisor. He refused to stop recording the call. Then i tried to explain to him that the trasactions were for illegal gambling and he said it did not matter what they were for and that i owed the money and there was no way out of it. I explained to him that they have been letting this go on with my account for years and never even called to ask what the charges were for. He said that it did not matter and that if it was for gambling i still had to pay and there is nothing illegal about it. Just wondered if there is any info you can provide me as to what to do know. Do i need an attorney?

And as for the collection agency... should i just ignore the calls and emails or answer the phone? It doesnt really bother me that they call my phone, because i just dont answer it.

Any more info would be greatly apprecitated.

Thanks

Of course thats what hes going to say. I made the same mistake of calling a supervisor unprepared and when you do this, you start asking questions as if he is the one with the answers. Dont believe a word he is saying. He is trained to say this and in order to put him in his place is simply showing the proof in black and white. Ask for his fax humber and Fax him the UIGEA. Mention past court cases such as ones that attorney Ira Rothken defended. Once you fax this to him, hell probably tell you that hell need time to review it, hell realize that this is way over his paygrade and eventually send it to his legal team or counsel (depending on how large the bank is)chances are, their legal dept will consist of 2 or 3 burnt out attorneys who push papers all day and then they will give up. At this point, they will want to simply sell the debt to a 3rd party collection agency and drop this problem on their lap. And then you will tell them that you wish to dispute this, send in all the paperwork required to file a formal dispute, and wait for their response. You see, the important thing to realize here is that they know they messed up and they know that if this ever went to court, which it never will, the chances of them winning is the same chances you turn into a leprechaun and shit rainbow sherbert. So, this is what they will probably do, send it to collections, go through the motions with them the same as you did with the creditor, and theyll treat this debt like a hot potato. And dont be afraid to answer your phone, prepare a cease and decist letter and send it to all of your creditors or collection agents, they will not bother you again. if they do, note who when and how many times they tried to contact you. its $1000 to you every time they call after sending in the notice. I Hope this helps. Keep in mind that the deadline is almost here. i think its july 14 when youll start to see very interesting things. Im not an attorney, and im not an expert in law, but what i do know is that a drug dealer cant go to a third party collections agency and hire them to collect on a drug deal gone bad. And this is essentially what is going on here. And another thing, if you have ever withdrawn money using a checking account., dispute that as well, you will be issued a temporary credit, when they investigate they too will realize this same thing and will give up as well. you can take my advice but do not expect magic to happen, this is a long and uphill battle that you will win only if you hold your ground.

what is the UIGEA?

Thanks for all the info.. greatly appreciated!!

Click2pay would have to provide information regarding your check card charges. They wont have it because they code as general merchandise or clothing etc.
ewallet are being indicted for this. it is illegal to miscode a transaction. They can not legal receive funds for gambling transactions, that is why citadel, optimal and click2pay were charged by doj.

They will go after you for the funds maybe but they won't mess with the bank or credit bureau
They can't they would admit committing fraud by processing the transaction purposely coding it incorrectly to facilitate transfer of funds for illegal gambling transaction