Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Can a chapter 7 bankruptcy be denied because of gambling?

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Can a chapter 7 bankruptcy be denied because of gambling?

    I have a gambling problem and probably the main reason why I need to file for bankruptcy. I stopped paying on all my credit cards about a year ago and I’ve had to deal with one lawsuit so far. My bankruptcy lawyer said I need to wait at least 6 months from the last time I gambled before I can file. He also said that didn't look good that I gambled the whole time while i had retained him as my lawyer but he never said anything to me about not gambling and i had it on my paperwork. I should've known better, though.

    I haven’t used any of the credit cards since I stopped paying on them. The gambling has been from my paychecks. Instead of fixing things or buying my prescriptions or other necessities, I gambled the money instead. Could this really be a problem regarding my bankruptcy if I recently gambled? I do want to try and stop gambling too but i just don't want to wait 6 months to file my case especially if more lawsuits come up.



  • #2
    Each case is just too fact specific. I had gambled and lost $13K. The Trustee did inquire and I told the Trustee that it was out of my system. Your problem will be... is it out of your system.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog


    I am not an attorney. Any advice provided is not legal advice.

    Comment


    • #3
      I agree with JustBroke. I asked my attorney about how gambling could be viewed and his response was..gambling is really big in WA state and the number of cases where gambling has been involved is very high. The trustee is not shocked when he sees it. But as JustBroke says they want to know you are stopped or working on it, eg., joining GA.
      Filed Chapter 13 - 07/20/12
      Discharged 8/2/16

      Comment


      • #4
        I was in the same boat as you. Didn't gamble with the CC money, but used CC money to cover expenses since I gambled much of MY money away every month. Made sure to declare the gambling losses from the last year (roughly $7k) on my statement of financial affairs, and no one has said a word. The trustee didn't even ask about it at the 341. Your case may be different, of course, but if the amounts are reasonably small you're unlikely to have a problem. By "reasonably small" I mean, "if you kept that money instead, would you be able to exempt it?"

        It's SUPER important to start breaking the habit during/after the BK, though, because if you get your discharge and continue gambling, you'll no longer have that safety net.
        This post does not constitute legal advice. If you use this advice instead of that of a lawyer, God help you.
        Filed CH 7: 5/11/17 341: 6/12/17 Discharge: 8/14/17

        Comment


        • #5
          Thanks for all the replies. If I’m unable to stop on my own, maybe joining a group would be a good idea. Maybe that would help if I would need to file sooner if they see I’m getting help for the addiction?

          I think over the last year I probably lost about $10,000 or a bit more gambling. I received a small inheritance that I spent some of that as well gambling. It wasn’t a big amount and couldn’t really help me regarding any debts or major repairs I needed to have done so I ended being stupid and gambling some away and the rest was just used on monthly expenses.

          Comment


          • #6
            I'm glad to see someone speaking so openly about this. Though I don't have anything of value to add, it helps knowing you're not alone...When I filled for C13 my Attorney was pretty straightforward and just said "You better show that you're working on it but for God's sake just stop!" It was harsh to hear at the time but sometimes you need those "hard to chew" words.

            Comment


            • #7
              That sounds just like my attorney. He said something like that to me too. I have tried to stop on my own before but I wasn’t able to stick with it and went back to it so I think I will need to join a group for the extra support or I’ll continue to do this.

              Comment


              • #8
                If your main problem is casino gambling, you can get on what's called the "self-exclusion list." Basically you go to your casino (or call/e-mail them) and ask to be put on the list. You will then be treated as if you have been banned from the property...if you show up there, you'll be cited for trespassing. Some states have a statewide list that covers all the casinos in the state. I'd recommend that *in addition* to group meetings or professional help. For me it's gone a long way. "Hey, I really wanna gamble, but I also really want to not get arrested for trespassing. Guess I'll catch a movie instead."
                This post does not constitute legal advice. If you use this advice instead of that of a lawyer, God help you.
                Filed CH 7: 5/11/17 341: 6/12/17 Discharge: 8/14/17

                Comment


                • #9
                  Yep, casino is the main problem. Oh i didn't know about that--I'll have to check on that. Maybe i can see how things progress for me and I could use that as a last resort if I'm still struggling.
                  Thanks!

                  Comment


                  • #10
                    Gambling addiction is a disease. You can't stop, that's why it's a disease. To say otherwise is to assume an addict can turn their disease off using willpower. I've got over a million dollars of losses to addictions, of which gambling was indeed one. I was still gambling while in inpatient rehab for drugs to try and pay for rehab. And I promise you willpower isn't an issue in my life.

                    My advice is just be totally honest with your gambling, and let the truth speak for itself in your case. It's a common cause of BK. Don't sweat it.

                    The real issue is getting help. Post-discharge you better have yourself on a path to recovery, or why bother filing. Right?

                    I would start attending GA meetings. Print out a log sheet for 12-step group attendance, and get this log sheet signed by the GA facilitator. If you show up at your 341 with 60 GA meetings under your belt, it will show quite a bit if asked. And... it just might give you a real fresh start.

                    Comment


                    • #11
                      Originally posted by brokelydia View Post
                      Yep, casino is the main problem. Oh i didn't know about that--I'll have to check on that. Maybe i can see how things progress for me and I could use that as a last resort if I'm still struggling.
                      Thanks!
                      I'd highly recommend it as a step forward, rather than a last resort. You can then apply for reinstatement later if you think you have things "under control"...though of course, if you have a true problem it will not be "under control" until you completely quit.

                      This post does not constitute legal advice. If you use this advice instead of that of a lawyer, God help you.
                      Filed CH 7: 5/11/17 341: 6/12/17 Discharge: 8/14/17

                      Comment

                      Unconfigured Ad Widget

                      Collapse
                      Working...
                      X