Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.

For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.

Legal Issues Around Gambling Debts

When we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.

You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.

How To Deal With Debts Caused By Gambling

In dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.

The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.

With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.

Factors Leading To Internet Gambling Debts

It may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:

Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.

Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.

Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.

Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:

When you are not gambling, do you think about gambling and how you are going to get back to it?

Have you ever missed work because of online gambling?

Do you feel the need to gamble again after winning or losing?

Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?

Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?

Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:

Be open with friends and family and seek help with the problem.

Cancel any accounts you have with websites for online gambling.

Consider using software that blocks your access to online gambling websites.

Repercussions of Gambling

Ever played poker? Roulette perhaps? Have you ever wagered money when playing? Then, in fact, you have gambled. Gambling is when you wage money for something even when you do not know what the outcome will be. However, gambling seems to be a part of quite a number of people’s lives. It has become a habit, worse, even a psychological problem.

For someone who gambles for the first time, it may not be hard to get out of it. Once you win something by doing it, you may want to try it the second time. When you get the hang of gambling, you will probably want to do it again. The next thing you know, you become unconsciously addicted to it. Even when you wish to stop, there is nothing you can do.

Ludomania is known as the impulse or itch to gamble even when you know its’ corresponding implications. This however is just a minor difficulty. Severe cases actually nod into the direction of a mental disorder. It is called pathological gambling. One is considered to be a pathological gambler if one is preoccupied with gambling all the time and that is mainly all he thinks about. He tends to imagine when he will be playing again in the future or thinks about the game he played yesterday.

When someone tries to recover from gambling problems and still resorts to gambling, then it is also considered pathological gambling. It is also when someone considers gambling as an escape from reality – a sort of a makeshift world when he can be himself at least for that moment to break away from his realities.

One of the most common symptoms is the need to gamble more. When you lose a game, thus losing money, you have the urge to get it back and start gambling again. It is a never ending difficulty to those who are hooked on gambling.

Consequently, one now has a hard time controlling his gambling habit. This loss of control will eventually lead to deceit to his family and friends.

When gambling becomes so much of a habit, one may consider doing illegal acts. The need to gamble more when you lose money could lead to stealing money to recover your losses. Sometimes, one would resort to fraud. Forgery is also common when someone uses someone else’s signature especially in writing checks for him to continue gambling.

Risking his relationship just for gambling is also a symptom. When he continues to gamble even when it compromises his time away from his wife or kids is a serious problem. This could lead to divorce. This also could involve missing work as a result of being in a game instead of at work.

Another symptom is when he relies so much on his family or friends for money. When he is losing money because of gambling, he could resort to borrowing money from his family, friends, even a financial institution that could result in bankruptcy.

Gambling will become serious if not given proper attention. When this becomes a habit, it becomes a hindrance to your relationships with others, especially with your family. When this becomes severe, you should go to counseling to counteract your gambling problems. Have someone to talk to. Your family can be of help because they are your first line of defense against gambling. But most importantly, discipline should begin with you. There is nobody who can help but you alone. Remember that too much gambling can make your life miserable, so avoid excess gambling.

Fortnite Basics

Fortnite is the name of a hit new game that was released back in September of 2017. When it was first released there was very little hype about it and did not receive much attention at its initial release. Due to that simple fact, the company that created it decided to offer a portion of the game for free and since the game has become probably the most popular in the world now. There are many aspects that make the game unique.

First off, it is a third person shooter but very animated in its positioning so not very serious in a manner of terms. Along with being a shooter game you are able to harvest materials such as wood, brick and metal and craft different building structures like ramps, walls, floors, and really anything imaginable. The point of the game is to be the last player or squad standing. The game starts out with one hundred players all dropping in from a school bus held in the air by a hot air balloon to a giant island with different little towns and places marked on the map. Each person drops off of the bus and once they land they loot for weapons and shield before someone else finds the loot first. There are many different types of weapons like shotguns, rifles, rocket launchers and many other different weaponry to find. Players open up golden chests that give you multiple items usable in game like potions and weapons as mentioned above. Once a player has the loot they want they must move into the storm circle as the outside storm closes in slowly and forces players together. The storm will slowly decrease your health if you are caught in it till eventually your health runs out. Once your health runs out there is no respawning into the same game as you must start over from the beginning.

The ultimate goal is to be the last one standing and achieve a “Victory Royale”. It is a difficult feat as there are many highly skilled players out there that play and compete viciously on a regular basis. The key that has been found by most of these highly skilled gamers is to be able to build more efficiently and quickly in the heat of a gun fight. These builders are usually the most skilled of players and tend to win more of the games they play. Inexperienced players that are still learning the overall flow of the game do not usually find their first win till many games played. As time has gone on the developers of the game have added special limited time game modes to the mix as well to keep the game interesting and their die-hard players entertained and not becoming bored after so long. The mode that has become a favorite of many is the high explosive mode which takes away all normal weapons and leaves players wandering around the map finding grenade launchers and rocket launchers and a few other specialty weapons to win the game with. These additional modes provide a skill change and allow newer players to become more accustomed to items that are less prevalent in the normal mode and allows them to experiment more freely so they are not unprepared in the regular mode.

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