Finally realized I ruined my life and I want to fix it. Letting everything go to Kronofogden or keep fighting.

[needhelps]

Hi. I don't know how I ended up here. My life was good until the pandemic hit and one day I was bored. I saw casino ads. I thought yeah why not? Just a few hundred kroner for fun. Before I know what I have done. I screwed over all my savings, took every loan possible to cover my ass until I couldn't, relapsed and borrowed even more and spent the whole salary on it. Then had to get a shitty loan to cover those. I was in denied. I don't open letters that I got from debt collection or any loan companies. Whatever pennies I had I spent on 'hoping that one big win will solve this ' I have anxiety and couldn't sleep longer than 4 hours per day. It affected my job and my relationship with my partner and family.

February 2023, My total debt is a little above 1 million. I finally see that I am really hitting the bottom and I want to solve it. A lot of loans went to collection already and couldn't really keep up with payments. I spent 3 months trying to find extra work which I finally found it and it will be bring me 10-16k extra (After tax) my current income after I applied for tax adjustment landed at 24k after tax .

Right now, I made 2 plans but I am not quite sure if it is the right thing to do and I don't quite understand the process of everything. I got really overwhelmed with the languages and information and it makes me feel really anxious and a panic attacks a few times.

Plan 1 try to catch up payments even a few already in Kronofogden and collect with 2nd job but not declare tax on them yet.
1. I have a freelance job outside Sweden which I can cash in money directly into my bank account. If I don't go through the company that takes care of tax for me before transferring me money, I can cash out about 25-35k. Is it possible to do that and declare income later next year? In the hope that I will be able to catch up with all payments and lower my monthly cost down until then.
2. 1. Currently, I have 1 case that the Kronofogden already made a decision that I have to pay about 12k, I tried to call debt collection to make a new installment but they refused. the deadline is 29th May, If I can't pay that amount, What's happened?

Plan 2 Let everything go to Kronofogden but I honestly feel scare. I tried to read as much as I could with google translated and my mediocre Swedish and I still don't completely understand the time line of a whole process .
1. If I let everything go and not calling for settling with any of them. What's next?
2. How long does it take after the Kronofogden made a decision that I need to pay and I cannot pay to the next step
3. I live in a house with a partner, I did not co-own it, Basically I live there for free and we shared the bills, Will this effect him some how?
4. Will they come to our house to look for things when I don't owe anything at all, Can this step be skipped and go directly to wage garnishment?
5. What can I do about it before all of this happens and how long do I have before that
6. I know I can not get debt settlement yet because my debts are very recent and It will takes sometimes before I can apply for it since I just quit gambling on February 2023 .

I know my questions are very scattered and not short or very on point but anything I can get advice from this, I am much appreciated it
February 2023 , When I hit my rock bottom was that my mother was very sick back in my home country and I could have used the money to fly home but I spent every penny on poker, in the hope of getting a big win and solving all of this. So I couldn't go see her because of that. She could have died and I wouldn't be able to say good bye. That's when I realized that I treated my life for granted and I am a useless piece of shit. I was wanting to just die and end it all instead of facing reality but I can't die, Not after my brother already died and my mom only left me.

I started to attend support group online and going through therapist to help me cope with anxiety and depression.
I want to fight this and I want to come to the other side of this.

Thank you very much.

 

[JohanDal]

1. I have a freelance job outside Sweden which I can cash in money directly into my bank account.

- I would not do that for two reasons. It can backfire pretty badly. Also, if it doesn’t, it’s a bit like gambling, but even higher stakes.

I was going to answer more but don’t have time right now. You can turn this around, but it will take time. Therapy is good.

 

[Kronofogden]

Ytterligare ett bevis på att lånesystemet är helt urspårat. Man kan alltså skuldsätta sig på över en miljon utan att ens kunna svenska.

 

[Doodles]

Hi. I don't know how I ended up here. My life was good until the pandemic hit and one day I was bored. I saw casino ads. I thought yeah why not? Just a few hundred kroner for fun. Before I know what I have done. I screwed over all my savings, took every loan possible to cover my ass until I couldn't, relapsed and borrowed even more and spent the whole salary on it. Then had to get a shitty loan to cover those. I was in denied. I don't open letters that I got from debt collection or any loan companies. Whatever pennies I had I spent on 'hoping that one big win will solve this ' I have anxiety and couldn't sleep longer than 4 hours per day. It affected my job and my relationship with my partner and family.

February 2023, My total debt is a little above 1 million. I finally see that I am really hitting the bottom and I want to solve it. A lot of loans went to collection already and couldn't really keep up with payments. I spent 3 months trying to find extra work which I finally found it and it will be bring me 10-16k extra (After tax) my current income after I applied for tax adjustment landed at 24k after tax .

Right now, I made 2 plans but I am not quite sure if it is the right thing to do and I don't quite understand the process of everything. I got really overwhelmed with the languages and information and it makes me feel really anxious and a panic attacks a few times.

Plan 1 try to catch up payments even a few already in Kronofogden and collect with 2nd job but not declare tax on them yet.
1. I have a freelance job outside Sweden which I can cash in money directly into my bank account. If I don't go through the company that takes care of tax for me before transferring me money, I can cash out about 25-35k. Is it possible to do that and declare income later next year? In the hope that I will be able to catch up with all payments and lower my monthly cost down until then.
2. 1. Currently, I have 1 case that the Kronofogden already made a decision that I have to pay about 12k, I tried to call debt collection to make a new installment but they refused. the deadline is 29th May, If I can't pay that amount, What's happened?

Plan 2 Let everything go to Kronofogden but I honestly feel scare. I tried to read as much as I could with google translated and my mediocre Swedish and I still don't completely understand the time line of a whole process .
1. If I let everything go and not calling for settling with any of them. What's next?
2. How long does it take after the Kronofogden made a decision that I need to pay and I cannot pay to the next step
3. I live in a house with a partner, I did not co-own it, Basically I live there for free and we shared the bills, Will this effect him some how?
4. Will they come to our house to look for things when I don't owe anything at all, Can this step be skipped and go directly to wage garnishment?
5. What can I do about it before all of this happens and how long do I have before that
6. I know I can not get debt settlement yet because my debts are very recent and It will takes sometimes before I can apply for it since I just quit gambling on February 2023 .

I know my questions are very scattered and not short or very on point but anything I can get advice from this, I am much appreciated it
February 2023 , When I hit my rock bottom was that my mother was very sick back in my home country and I could have used the money to fly home but I spent every penny on poker, in the hope of getting a big win and solving all of this. So I couldn't go see her because of that. She could have died and I wouldn't be able to say good bye. That's when I realized that I treated my life for granted and I am a useless piece of shit. I was wanting to just die and end it all instead of facing reality but I can't die, Not after my brother already died and my mom only left me.

I started to attend support group online and going through therapist to help me cope with anxiety and depression.
I want to fight this and I want to come to the other side of this.

Thank you very much.

Hi, I'm very sorry to read that another person got stuck in a gambling addiction. Glad though that you are on the mend. Let the past be the past. Every one makes mistakes, it is now that you can try and steer your life to a new direction.
May we know your other financial statements?
Income?
Assets? (car?)
Credit score at UC (you can check that at a free app Kreddy).
Number of credit requests (antal förfrågningar) if you know.

If there is a decision in place from KF and you will not pay, you will have a notice on your credit status, which will make new loans, very hard to get.
If you do not pay, it is possible for KF to come and retrieve any assets that they believe is yours. Here proof is often difficult to establish what is or what is not yours. Hence I believe it totally belongs to the discrepancies of KF. There will be an investigation of all your potential assets including your salary. If/and concluded that your have no assets, they will contact your employer and deduct an x amount of your pay check to cover the debt they are suppose to collect from the creditor that registered the outstanding payments to KF.

If you can share more of your current debts and income we can take a look at what is feasible to try an accomplish.

Breathe! You are not alone in this. Almost all of us have been/are where you are.

 

[needhelps]

Hi, I'm very sorry to read that another person got stuck in a gambling addiction. Glad though that you are on the mend. Let the past be the past. Everyone makes mistakes, it is now that you can try and steer your life in a new direction.
May we know your other financial statements?
Income?
Assets? (car?)
Credit score at UC (you can check that at a free app Kreddy).
Number of credit requests (number of requests) if you know.

If there is a decision in place from KF and you will not pay, you will have a notice on your credit status, which will make new loans, very hard to get.
If you do not pay, it is possible for KF to come and retrieve any assets that they believe are yours. Here proof is often difficult to establish what is or what is not yours. Hence I believe it totally belongs to the discrepancies of KF. There will be an investigation of all your potential assets including your salary. If/and concluded that your have no assets, they will contact your employer and deduct an x amount from your pay check to cover the debt they are supposed to collect from the creditor that registered the outstanding payments to KF.

If you can share more of your current debts and income we can take a look at what is feasible to try to accomplish.

Breathe! You are not alone in this. Almost all of us have been/are where you are.

Income: Main job after tax is about 24k and freelance work for 10-16k
Assets: Nothing under my name
Credit score: 67%
Number of credit requests: 16

As I said, I think it is too late for me now to get a loan. I already have one loan that is in Kronofogden Credit Status, I tried to call collection about it but they refused to make installment plan for me which is 16,000 and I don't really have money to pay for a full amount yet. So I am quite stressed on what should I do .

I know that I fucked up and I want to fix it. I just hope it is not too late now.

 

[Doodles]

Income: Main job after tax is about 24k and freelance work for 10-16k
Assets: Nothing under my name
Credit score: 67%
Number of credit requests: 16

As I said, I think it is too late for me now to get a loan. I already have one loan that is in Kronofogden Credit Status, I tried to call collection about it but they refused to make installment plan for me which is 16,000 and I don't really have money to pay for a full amount yet. So I am quite stressed on what should I do .

I know that I fucked up and I want to fix it. I just hope it is not too late now.

Good that you understand your situation. Have you talked to your partner yet?
It would be really good to do that. Having KF knocking on your door is not nice if you are not aware of the situation. Also maybe you could get some help from that direction.

After KF did some investigating of your assets (they need to establish that themselves) most likely you will get 'löneutmätning'. Thinking of you total debt, it will take many years to become debt free as your salary is very low. I do not know if they have the possibility to access your freelance income though.
Even with a big loan or a few big loans, the installments will be huge for your total debt. I would definitely ask my partner for help.

 

[needhelps]

Good that you understand your situation. Have you talked to your partner yet?
It would be really good to do that. Having KF knocking on your door is not nice if you are not aware of the situation. Also maybe you could get some help from that direction.

After KF did some investigating of your assets (they need to establish that themselves) most likely you will get 'salary garnishment'. Thinking of your total debt, it will take many years to become debt free as your salary is very low. I do not know if they have the possibility to access your freelance income though.
Even with a big loan or a few big loans, the installments will be huge for your total debt. I would definitely ask my partner for help.

We have talked about it. He is pretty mad because he is paying a lot on mortgage already and we basically don't have a lot of saving left due to pandemic
He isn't talking to me for about 3 weeks now. We sleep in different rooms. He doesn't know what to do with me yet since he already has enough on his plate himself.
He said that I did this, I have to fix it on my own and he doesn't know about things starting to go to Kronofogden because I thought I could turn this around.

Maybe I am naive but I know if I tell him that I probably should pack my back and prepare to leave. I can't tell my parents because they already stressed enough for not having me around.
I feel like I am alone in this entire world, It is very lonely and scary but I still really really want to come out the other side of this.

 

[Guilty_99]

Ytterligare ett bevis på att lånesystemet är helt urspårat. Man kan alltså skuldsätta sig på över en miljon utan att ens kunna svenska.

Hmmm???
Ser inte direkt en koppling till språket.
Har flera kollegor från andra länder som inte pratar Svenska som köpt både lägenheter, hus och bilar osv.

 

[Varitmedförr]

Ytterligare ett bevis på att lånesystemet är helt urspårat. Man kan alltså skuldsätta sig på över en miljon utan att ens kunna svenska.

Förklara gärna relevansen mellan lånesystemet och kunskaper i svenska.
Jag har också flera utländska kollegor som lånat till husköp.
På vilket sätt är det urspårat?

 

[Kronofogden]

Förklara gärna relevansen mellan lånesystemet och kunskaper i svenska.
Jag har också flera utländska kollegor som lånat till husköp.
På vilket sätt är det urspårat?

För att i min enfaldiga värld bör vissa kriterier uppfyllas innan man skuldsätter sig i ett annat land (nu handlar det verkligen inte ens om ett husköp, utan om att låna hundratusentals kronor för att spela), och ett av dessa är språkkunskaper.