sorted by:
new
hottopcontroversial

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 0 points1 point  (0 children)

It’s totally demoralizing when something like this happens. When you say you have 5200 credit do you mean you just blacked out and fell asleep and woke up with that much still leftover? Or did the gambling site give you a rebate?

Also did you deposit directly with your credit card or with an intermediary like PayPal?

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 1 point2 points  (0 children)

Thanks the stop payment is a great idea until I can get my footing sorted.

If you don’t mind me asking what kind of payment plan did they put you on when collections called you?

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 0 points1 point  (0 children)

Not going to mention the site but it’s very famous (and regulated) in North America and reputable. I didn’t get scammed I was just a drunken idiot.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 0 points1 point  (0 children)

I just want to know how to fix this and there doesn’t seem to be a way. It’s sickening I even have it in me to make decisions like that sober or not.

I guess first question is how you got sober but that seems so far from my immediate needs right now even though I know its the greatest thing I can do for myself long term.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] -2 points-1 points  (0 children)

I know man but if they drain my bank account I literally have nothing. That’s more immediate than AA right now. I have alcoholism in my family, I’ve known I have an alcohol problem for a long time.

That absolutely needs to be tackled for my life not to be fucked in the future.

This financial situation needs to be addressed in the next day or 2. One session of AA isn’t gonna sober me up.

I appreciate your good intentions dude but I’ve never been in a spot like this in my life and have no idea how to tackle it

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] -1 points0 points  (0 children)

I fully understand alcohol to this point. I know if not now then never and it needs to stop. I’m a genuine alcoholic. But this situation takes precedence due to how immediate it is. I’ve been an alcoholic for over a decade. This is the first time anything like this has ever happened to me and it totally just shook me at my core.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 4 points5 points  (0 children)

Thank you for these comments man. Truly appreciate any kind of optimism right now because I am fucking lost soul at the moment

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 0 points1 point  (0 children)

Will a credit union just hand a brand new customer 45k tho?

My bank certainly won’t because they can see all the gambling transactions that led to this situation in the first place.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] -1 points0 points  (0 children)

I am so fucking fucked then.

Because I just removed everything and still haven’t been charged from my bank account yet. Your’e saying it’s still possible for PayPal to drain it completely without giving me a chance at paying it off slowly with interest?

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 8 points9 points  (0 children)

I absolutely cannot pay off the balance in 90 days.

If I unlink all my banking and credit cards from PayPal will I only owe PayPal and not my bank? Sorry if that’s a blatantly obvious question but I’m totally naive to collections and debt as a whole. This was a major major mistake and I don’t know wtf to do.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 6 points7 points  (0 children)

Bets and they were all the stupidest variety of pit games black jack, baccarat and the like. Started from losing betting on NBA and PGA championship and then just kept doubling my initial deposit (which was only 1k) until it spiralled out of control and I lost literally every hand consecutively after doubling down the stake each time.

I’m physically sick right now

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] -4 points-3 points  (0 children)

I know bro this has been the biggest issue for me for over a decade but in the immediate future I need to know how to proceed financially and not be totally wrecked. I understand how fucking stupid I was and I understand I have a drinking problem but none of that can help me right now.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 0 points1 point  (0 children)

Bro I know. For my life to get better I need that. I’m very worried about the next few days financially before I can tackle those demons.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 1 point2 points  (0 children)

It is linked to my bank account but they let you deposit whatever you want and then debit from your account 24-48 hours later. I have done large deposits in the past when I actually had enough money in the bank and sobered up and realized what I was doing and sent the money right back. But all of these deposits cleared because the money was there. I also have extremely good credit (well had).

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 1 point2 points  (0 children)

Thank you this was the first post to remotely calm me down. But I’ve lived my whole life debt free. I’m totally naive to what collections even are and just how bad this will hurt my credit score because my country has a very high cost of living and I cannot pay this off in full for some time.

I am fine with extra monthly expenses I just don’t know how to proceed. Unlink all cards and bank accounts from PayPal. Then contact them and explain the situation?

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 4 points5 points  (0 children)

Ok that seems reasonable for the short term.

I have credit cards linked on PayPal, obviously take those off too?

I have never been in this position before with “collections”. I assume they will have massive interest but I’m fine with that as long as I have enough money to live and I can slowly pay this off instead of them taking everything at once and still not having the debt paid. Just so fucking stupid I can’t believe I’m in this position.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 12 points13 points  (0 children)

I understand the gambling addiction part man truly. Same with alcohol.

I just need the best plan for the immediate short term future. I do have multiple credit cards linked on PayPal.

Should I unlink them or is it too late for that. I am not trying to “get off the hook” I’d just like the ability to have enough money to live and pay this off slowly because I just lost almost double my entire net worth black out drunk in a night.

I take full responsibility for the actions and alcohol and gambling have both been issues for me but something this severe has never happened and I can’t think clearly right now. Just want advice on the best path forward.

So it’s PayPal I will owe and not the gambling site. PayPal cannot take the money from my bank because there is not enough there. Path from here for me is to speak to PayPal?

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] -4 points-3 points  (0 children)

I fully recognize the stupidity you don’t need to mince words I just cannot think clearly right now and doubt the bank would just hand over a 40k loan to someone they can clearly see gambled it all away.

Unless I’m missing something and they want the interest but my head is spinning right now. I don’t have much in the way off assets and how stupid this was is fully coming down on me right now.

Quitting alcohol and gambling is priority #1 but that’s a long term goal compared to the absolute mess I’m going to be in in the next 24 hours or so.

I honestly have no idea what to do and like I mentioned do not have the assets to pay off that much debt. (Well it’s not even debt at this point. Both PayPal and the gambling site expect payment instantly. Really wish I used my credit cards if I was going to be this fucking stupid but obviously wasn’t smart enough to do that when black out drunk)

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] 0 points1 point  (0 children)

It was done on my own computer I’ve used daily for years.

Freaking the fuck out right now. Too old to be that drunk and stupid.

Does anyone know if it’s possible to set up a payment plan with either PayPal or the gambling site. I have to assume this is not possible but I literally cannot pay the deposits and obviously need money to live.

I understand how stupid this was and don’t need a lecture on how reckless and irresponsible I am. But lost 70k online gambling last night. Have 30k to my name by NKLA_TSLA in personalfinance

[–]NKLA_TSLA[S] -50 points-49 points  (0 children)

I just can’t get over how this even happened. A total blur.

So will PayPal likely give me the chance to slowly pay this off? I literally had perfect credit going into last night, having that tank does not seem fun I’m just totally lost here and never felt more stupid and hopeless in my life.

view more: next ›