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Gambling

Date: Mon, 11/20/2006 - 12:29

Submitted by anonymous
on Mon, 11/20/2006 - 12:29

Posts: 202330 Credits: [Donate]

Total Replies: 20


Hello,

I am 36 years old and can't believe I am putting this in a forum. But if it helps others so be it. I have a gambling problem. I have racked up $38,000.00 in credit card debt over two years. I finally quit lying to myself last week. Closed all my online gambling accounts and figured out where I stood with the credit card companies. Anyway I am now thinking of Professional debt settlement and was looking at those companies to assist in getting this debt paid and put behind me. But online research has given me a very bleak picture of this type of solution. Any advice would be greatly appreciated.

Thanks

Kyle


Hi Kyle.

Welcome to the community. First of all, you should be very proud of yourself for admitting your problem and then taking control. That is a very difficult first step.

Since you have registered here, in a few days a professional counselor will call you. They will talk to you about consolidation and settlement options. They can answer any questions and point out reputable companies.

In the meantime, browse the forums and get to know us. Post as much as you want, we're here to help you.


lrhall41

Submitted by finsfan13 on Mon, 11/20/2006 - 12:59

( Posts: 6919 | Credits: )


Gambling habit has very adverse consequences. Now that you have realized and trying to come out of this addiction, make your mind very strong. Think positive because your temptations will often force you go the same way. You are not going to do this if you are determined. Good luck!

For your debt problems, a counselor will be calling soon. Congrats for what you have achieved so far. It's a big victory.


lrhall41

Submitted by a_neblat on Mon, 11/20/2006 - 13:07

( Posts: 407 | Credits: )


Ok here's a great idea. Borrow another $1200 from your credit card, go a an actual Harrah's (don't do it online, that stuff is rigged beyond belief). Walk up to a roulettte table and pick the luckiest number between 0 and 38---when you win your bet, you will have $42,000 and be debt free!!! You will also have $2800 seed money to build a new bankroll babbbbbyyyy--then you can gamble on someone else's money. Do you like--huh, yeah, I knew you would. Now please go visit your nearest Harrah's.

Regards,
Joey B.
VIP Player Service
Harrah's Inc.

"Harrah's does not believe in promoting gambling beyond your means, and realizes the importance of contacting gamblers anonymous if you have any gambling problems"


lrhall41

Submitted by on Sat, 11/25/2006 - 13:30

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That is just awful. Gambling addiction is just like any other addiction. You are on the right track with recognizing you have a problem and you are taking steps to deal with the aftermath it has caused your finances. Have you also considered counseling to deal with this addiction? I have an aunt who has struggled with a gambling addiction for years and has finally gotten counseling in the past year, she is doing well now, but like with any other addiction, you need to take it one day at a time. Good Luck


lrhall41

Submitted by WHEREAMI? on Sat, 11/25/2006 - 13:42

( Posts: 5263 | Credits: )


If gambling would have been that helpful, the original poster would not have found himself in this website looking for debt solutions. It is unnecessary to advice gambling (even if it is a one last try) to someone who is already coming out of this habit.

Joey, you already did your business promotion even if you say, you don't.


lrhall41

Submitted by IncredibleHelp on Sat, 11/25/2006 - 13:51

( Posts: 492 | Credits: )


Hi Kyle. It took a lot of courage to come forward and post your gambling problem here. I congratulate you for that! That's a big step in the right direction. I believe if you talk to a debt counselor, he/she can advise you on the best option for your particular situation. Also, any time you just need to talk or vent, there's usually someone here. Feel free to post anytime. Best wishes to you!


lrhall41

Submitted by dbaker6 on Sat, 11/25/2006 - 16:50

( Posts: 1600 | Credits: )


Kyle as everyone else has said you are brave to regonize your addiction. You are welcome here on the forums at any time. Bad Influence there is an old aying what goes around comes around. Before its over you will probably be on this forum BEGGING for help. Hope someone is as kind as you've been. KYSIDE38 :D :D :D


lrhall41

Submitted by KYSIDE38 on Sat, 11/25/2006 - 21:42

( Posts: 2477 | Credits: )


Well not sure which is worse, myself telling him to borrow another $1200 and increase his debt by 3% over what he's racked up already to try and win it all back. Or your choice of telling him to get into "debt consolidation", in which you're basically setting up a program to have him not pay his bills, which will cause the credit companies to eat ~ 50% of what he charged by his own free will. Kind of a scummy way to work your life isn't it--if you borrow the $, you pay back it all as you originally agreed to.



Regards,
Joey B.
VIP Player Service
Harrah's Inc.

"Harrah's does not believe in promoting gambling beyond your means, and realizes the importance of contacting gamblers anonymous if you have any gambling problems"


lrhall41

Submitted by on Sun, 11/26/2006 - 08:30

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Bad Influence - your screen name says it all.

I think the key word in your post is "try" - as in "TRY to win it all back". That's why it's called "gambling". Gambling, in any form, is a bad deal for everyone involved...except the one running the game. It's only "good" when you're winning - and the odds are that you most often will not win, so why take the chance of losing the money you worked so hard to earn, and in Kyle's case, get yourself in even deeper? If you have USEFUL advice to offer that will help Kyle get out of debt, not a possible chance to get out or a higher chance of getting in deeper, please, by all means, post it. We welcome good advice.


lrhall41

Submitted by SUEBEEHONEY70 on Sun, 11/26/2006 - 08:45

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Bad Influence,
Your BAD advice was like telling a recovering alcoholic trying to quit to drop by his or her corner bar and have one for the road first!
I applaud Kyle and know how difficult that was. And Kyle, May I respectfully suggest a 12-step program if someone hasn't already, like Gamblers' Anonymous? It's totally free to join and would provide you with lots of support from people who are going through it too--kindof like DCC!!
Let us know how you're doing, OK?


lrhall41

Submitted by kscornell on Sun, 11/26/2006 - 09:29

( Posts: 4407 | Credits: )


Quote:

which will cause the credit companies to eat ~ 50% of what he charged by his own free will.

Actually, more than likely, what will be charged of is interest - money the credit company never gave away but money the credit company earned thru interest rates. So in a credit counsoling plan, he would pay back all the original monies.


lrhall41

Submitted by jedijeff13 on Mon, 11/27/2006 - 05:25

( Posts: 1734 | Credits: )


Quote:

Well not sure which is worse, myself telling him to borrow another $1200 and increase his debt by 3% over what he's racked up already to try and win it all back. Or your choice of telling him to get into "debt consolidation", in which you're basically setting up a program to have him not pay his bills, which will cause the credit companies to eat ~ 50% of what he charged by his own free will. Kind of a scummy way to work your life isn't it--if you borrow the $, you pay back it all as you originally agreed to


What you are referring to is debt settlement, not Consolidation. Consolidation focuses on paying the debts in full by making payment agreements, possibly lowering interest rates to get the debts paid faster.


lrhall41

Submitted by Jessi on Mon, 11/27/2006 - 06:49

( Posts: 3361 | Credits: )


Joey

You are not yourself clear how a consolidation or a settlement program works. Obviously, you don't need it because you will always say your gambling business is the best, no matter if it's ruining anyone. When he has gone in the gutter, you will never take the blame because it was he to come to your doorstep and you will never see it wrong.

Never mind, if you want to know about the debt management programs, read this article. You will advise these programs as a better solution.


lrhall41

Submitted by PassionHunting on Mon, 11/27/2006 - 09:15

( Posts: 512 | Credits: )