Lånforum.se rekommenderar

1. Zmarta - Forumets favorit
2. Lendo - Ett bra alternativ
3. Creditstar - Ingen UC, nytt erbjudande
4. Klaralån - Lån utan UC
5. Brixo Privatlån - Ingen UC
6. Loanstep - Ingen UC, nytt erbjudande
7. Tomly - Lån utan UC
8. Kredio - Lån utan UC
9. Flexkontot - Swish, ingen UC
10. Ferratum - Lån utan UC
11. Brixo - Swish-utbetalning & Ingen UC

Visa ränteexempel

JavaScript är inaktiverat. För en bättre upplevelse, vänligen aktivera JavaScript i din webbläsare innan du fortsätter.

Svara på tråd

Meddelande: <blockquote data-quote="needhelps" data-source="post: 365760" data-attributes="member: 8505">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 itFebruary 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.</blockquote>

Verifiering: Klassisk svensk soppa som är gul och brukar vara populär inom militären...