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Old 10-01-2016, 08:19 PM   #276
Newday
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Re: 1.5 million to bankrupt

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Why do you have to send any payment at all to anyone, if you are already in the legal bankruptcy?
I thought, that trustee gets your salary except some fixed amount that is left for you to live.

How can anyone garnish your account, if you are in the bankruptcy? I mean the trustee deals with all your creditors. Or? Or are you scared that the trustee is going to go for your bank accounts?

Can anyone really garnish everything in your account at any debt stage?

Can you cancel the bankruptcy, if you are already doing it? Can you negotiate with property tax so that you don't have to pay the whole sum at once?

How long is normal bankruptcy, until all your debt goes away and how long would it take for you to really repay all your debt, if you don't gamble (I know, not going to happen, but it is an exercise to see, if the bankruptcy makes sense or not)?

And it is not so bad, if you are current on housing.
In the US, a chapter 13 is a repayment plan to pay off your creditors what you can afford over 3-5 years based on your budget. You have to make your payments on time to the trustee who disperses to the creditors for first 2 months. Afterward it's taken out of your paycheck. If you are late or don't make your payment, your case gets dismissed and all your creditors can come after you.
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Old 10-02-2016, 04:51 PM   #277
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Re: 1.5 million to bankrupt

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In the US, a chapter 13 is a repayment plan to pay off your creditors what you can afford over 3-5 years based on your budget. You have to make your payments on time to the trustee who disperses to the creditors for first 2 months. Afterward it's taken out of your paycheck. If you are late or don't make your payment, your case gets dismissed and all your creditors can come after you.
I know how stressy that all can be. But your buddies from the meeting are right. You are alive. that is what counts. I wish you to stay more on the rational side with all that things. *Hugs*
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Old 10-02-2016, 06:05 PM   #278
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Re: 1.5 million to bankrupt

10-2-2016 Miracle Sunday

Instead of going to meeting drive up to OK on this beatiful day. Was going to stop by the lake.
Hit the casino
https://mobile.twitter.com/crazypoke...365824/video/1


Sit on 50 cent quad deuces
Get tilted after losing 75 dollars
Bump up to 1 dollar start hitting max bet (5 dollars)

Hit Quad deuces two times in the same session
Up like $1700

Lady jumps on my machine after I get up... Lol

Sitting at casino bar eating some pad tai and drinking Heineken

Gotta get out of here before I lose it
Gotta call my lawyer
I can save this now

Holy ****!!!

Last edited by Newday; 10-02-2016 at 06:15 PM.
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Old 10-02-2016, 06:35 PM   #279
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Re: 1.5 million to bankrupt

Let's hit the road bitches!


https://mobile.twitter.com/crazypoke...819968/photo/1
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Old 10-03-2016, 01:49 PM   #280
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Re: 1.5 million to bankrupt

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I know how stressy that all can be. But your buddies from the meeting are right. You are alive. that is what counts. I wish you to stay more on the rational side with all that things. *Hugs*


Hey Lapka, you've been giving some great advice ITT but I don't think OP cares enough to listen to it. Atleast you've been trying. Are you a man or women if I may ask?
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Old 10-03-2016, 02:02 PM   #281
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Re: 1.5 million to bankrupt

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Hey Lapka, you've been giving some great advice ITT but I don't think OP cares enough to listen to it. Atleast you've been trying. Are you a man or women if I may ask?
woman ^^
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Old 10-03-2016, 06:18 PM   #282
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Re: 1.5 million to bankrupt

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I know how stressy that all can be. But your buddies from the meeting are right. You are alive. that is what counts. I wish you to stay more on the rational side with all that things. *Hugs*
Hugs back
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Old 10-04-2016, 09:27 PM   #283
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Re: 1.5 million to bankrupt

Sunday 10-2-2016 4:30 PM

Win an extra $100 on on the way out the door so I leave casino with 3k (1300 I came in with plus 1800 winnings)

Jump in my car and head out

Singing driving on the sun filled highway listening to some retro 80s and tears of joy streaming down my face.

Last edited by Newday; 10-04-2016 at 09:32 PM.
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Old 10-04-2016, 09:29 PM   #284
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Re: 1.5 million to bankrupt

Monday 10-3 - Don't Enable Me

9:00 Am

Paralegal email : "Hey we got your email last week that you may not have money for the trustee next week. Don't panic you have a few more weeks."

I'm looking at 3k in my hand

I have a few more weeks .....

Last edited by Newday; 10-04-2016 at 09:52 PM.
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Old 10-04-2016, 09:30 PM   #285
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Re: 1.5 million to bankrupt

Today 8:33 Pm ... Misery
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Old 10-04-2016, 09:41 PM   #286
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Re: 1.5 million to bankrupt

Tonight's therapy

Interesting channel... Gonna pass out to this

http://webtalkradio.net/internet-tal...life-and-love/

Last edited by Newday; 10-04-2016 at 09:52 PM.
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Old 10-05-2016, 04:38 AM   #287
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Re: 1.5 million to bankrupt

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Monday 10-3 - Don't Enable Me

9:00 Am

Paralegal email : "Hey we got your email last week that you may not have money for the trustee next week. Don't panic you have a few more weeks."

I'm looking at 3k in my hand

I have a few more weeks .....
Sent it to the trustee, if you still have it. Picture colorful your feelings if you would gamble it away. Maaaaan!

edit: Sent it, sent it, sent it! FAAASSST! You know yourself! You know how it is gonna end if you keep it!
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Old 10-05-2016, 06:38 AM   #288
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Re: 1.5 million to bankrupt

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Today 8:33 Pm ... Misery
What do you think this meant?
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Old 10-05-2016, 06:42 AM   #289
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Re: 1.5 million to bankrupt

October 5 Staying alive
5:30 am

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Old 10-05-2016, 06:45 AM   #290
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Re: 1.5 million to bankrupt

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What do you think this meant?
Hoped was that you were miserable because you are fighting the urge to lose this 3 k. An I know that it makes one miserable.

Try next time to post here a lot before you gamble. It won't keep you from doing it, if you in your head already decided that you are going to do it,
but it can help, if you are on the edge. It keeps you at least as long as you are writing the posts from casino. Try to make longer posts with some soul searching. I know you have some of it in your GA group, but this blog leaves the impression, that you could profit from some more soul searching. Don't tell yourself that you won't gamble ever again, but tell yourself that you won't gamble some short period of time. In GA group they speak about a day, may be it is of some use for you to go for one hour.

Usually if you feel the pressure and can delay giving-in for few hours, pressure will decrease.

And I told it already, and I can only repeat it, invest some time in theory of gambling. You need to understand first rationally and then on a deep deep emotional level, that YOU WILL NEVER MAKE MONEY AT SLOTS OR VIDEO POKER. Because of you I read-up on slots. The usual return to player is between 95% and 98%. That means that with every spin you pay at least 2% of your bet to the casino. There is no way around it. Martingaling won't help. (read-up what martingales are!). Hitting the jackpot won't help. With every spin you pay at least 2 % of your bet.

Last edited by lapka; 10-05-2016 at 07:00 AM.
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Old 10-05-2016, 10:55 PM   #291
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Re: 1.5 million to bankrupt

Therapy Night -The cure for addictions .. Will this change my life?

http://webtalkradio.net/internet-tal...reating-etc-3/
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Old 10-06-2016, 08:17 PM   #292
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Re: 1.5 million to bankrupt

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Hoped was that you were miserable because you are fighting the urge to lose this 3 k. An I know that it makes one miserable.

Try next time to post here a lot before you gamble. It won't keep you from doing it, if you in your head already decided that you are going to do it,
but it can help, if you are on the edge. It keeps you at least as long as you are writing the posts from casino. Try to make longer posts with some soul searching. I know you have some of it in your GA group, but this blog leaves the impression, that you could profit from some more soul searching. Don't tell yourself that you won't gamble ever again, but tell yourself that you won't gamble some short period of time. In GA group they speak about a day, may be it is of some use for you to go for one hour.

Usually if you feel the pressure and can delay giving-in for few hours, pressure will decrease.

And I told it already, and I can only repeat it, invest some time in theory of gambling. You need to understand first rationally and then on a deep deep emotional level, that YOU WILL NEVER MAKE MONEY AT SLOTS OR VIDEO POKER. Because of you I read-up on slots. The usual return to player is between 95% and 98%. That means that with every spin you pay at least 2% of your bet to the casino. There is no way around it. Martingaling won't help. (read-up what martingales are!). Hitting the jackpot won't help. With every spin you pay at least 2 % of your bet.
Well technically you can have greater than 100 % in some games of video poker with cash back, mailers, comps. It requires scouting and research. You can google if you don't believe me.

But I know I am a degen and play way above my bankroll and in games that are not favorable. I just look for the quick win and high.

With video poker you need a 3-4x royal bankroll in games you are playing at all time. In last 4 mos I have been playing 25 dollar games which requires 80k bankroll. Most of my bets have been at negative EV

I know the math ... I'm just compulsive and addicted

Last edited by Newday; 10-06-2016 at 08:31 PM.
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Old 10-06-2016, 09:04 PM   #293
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Re: 1.5 million to bankrupt

Rewind 1 year ago
Oct 2015 - sent a pic of royal I hit to Ronald and 26k balance on the deuces wild machine. I have another 90k in my hand

Ronald: get out of there!"

Last edited by Newday; 10-06-2016 at 09:18 PM.
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Old 10-06-2016, 09:11 PM   #294
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Re: 1.5 million to bankrupt

Ronald has not called back or texted in a week. Mofo saw my number on caller ID. He told me told to call crises line last time I talked to him. Ahole!

Last edited by Newday; 10-06-2016 at 09:24 PM.
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Old 10-06-2016, 09:12 PM   #295
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Re: 1.5 million to bankrupt

I just want my 7k vig back.

He knows I'm in a tough spot

Last edited by Newday; 10-06-2016 at 09:23 PM.
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Old 10-07-2016, 05:00 AM   #296
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Re: 1.5 million to bankrupt

Quote:
Originally Posted by Newday View Post
Well technically you can have greater than 100 % in some games of video poker with cash back, mailers, comps. It requires scouting and research. You can google if you don't believe me.

But I know I am a degen and play way above my bankroll and in games that are not favorable. I just look for the quick win and high.

With video poker you need a 3-4x royal bankroll in games you are playing at all time. In last 4 mos I have been playing 25 dollar games which requires 80k bankroll. Most of my bets have been at negative EV

I know the math ... I'm just compulsive and addicted
That is good. That is really good.

Try to build in some barriers before the next episode. I know that it is basically impossible to say "nope, I won't do dumb things now. I am going to read a book instead" . But what is possible is to let your brain still be busy with gambol, but delay it. I haven't read here a single post of you before the gambling episode. Something, where you try to fight this. Try it. I mean you have nothing to lose now. ( No, I mean you have something to lose.... still....) Try to write here down everything, that goes on in your head, BEFORE..... And repeat the math of all that as a mantra. Like I said, if you can delay it for few hours, pressure will decrease.
Spoiler:
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Old 10-07-2016, 09:12 PM   #297
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Thumbs up Re: 1.5 million to bankrupt

^^^^^^^^^ great post. Read it twice. Thanks Lapka
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Old 10-19-2016, 09:16 PM   #298
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Re: 1.5 million to bankrupt

10/19/2016 Freedom

Leave work early to meet friends at state fair

Driving in the beautiful sun. Blasting this




Turn down radio

Lover959 "Mom... I'm feeling much better today. We got an approved half day off at work to go to fair, and I got Friday off approved!"

Mom "That's great. I'm glad you are doing better. I love you."

Lover959 "I love you to."

Last edited by Newday; 10-19-2016 at 09:33 PM.
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Old 10-20-2016, 06:36 AM   #299
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Re: 1.5 million to bankrupt

I'm glad that this one works for you. Family is a big deal.
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Old 11-03-2016, 02:14 PM   #300
Amnesia_Haze
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Re: 1.5 million to bankrupt

Bump. Plz update Op
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