help

hi James, dont worry you can get through it ! You may well have to think about bankruptcy ? get some debt advice. Then you can make a fresh start, & won't have to pay the exorbitant interest on your debts, which will just add to the amount. e.g. 20% interest on 60k is 12k, i.e. 240 / week in interest alone! http://www.debtforum.org.uk/ post there get advice. try stepchange CAB etc.

There is a light at the end, I thought things were bleak I owed 44.5k went bankrupt one of the best things i ever did. such a load off, & you will need strength with new child on the way.

Best to tell your partner just be totally honest, hand over control of your finances to her. Sit down & work out exactly how much you owe, it may be more.

re gambling if there's no money / credit left at least you can't do any more damage, get help e.g. GA or gamcare counselling.

Don't fall into the trap of escaping your responsibility by gambling, occupy yourself with your baby & sorting out your finances.

James u r not alone I was a week or 2 away from losing everything house car job wife .. Until I found this site feel free reading my stories (caddy) I came clean to my wife & family by no means it was easy but once I had done it it was the best thing I did I just wished I had done it 12 months ago but us gamblers thing the big win is just around the corner !!! Now I've taken advice from this site & I'm a month in & on my 4 the counselling session I'm a relaxed man .. Sleeping a lot better not feeling ill anymore not worrying about the postman coming to drop another threatening letter & even taking the phone off silent incase my wife answered & it was someone else demanding payment .. Please come clean I'm sure it will all work out for the best .. Now u have a baby to think about I hope he or she can take your mind off debts & gambling please seak professional advise there are people who can help us all in our needs .. Good luck James & I hope it all works out for u ..

Thanks guys - i have a day off work and just wrote everything down in a letter to my wife. so when she come home from work I will tell her. I cant eat, feel

so sick at the thought but I know its the fresh start I need, I just hope she can understand

Hello James10,

Well done for joining the forum and seeking help for your gambling problem.

I've replied to your post in 'Ask GamCare' here:

http://www.gamcare.org.uk/forum/index.php?tid=314108

Feel welcome to call us on 0808 8020 133 or on the Netline:

http://secure.gamcare.org.uk/netline/

Take care,

Adam.

Hi James10

I'm 36 and can identify with exactly what you're going through.

You need to be completely honest and open about the extent of your debts and your gambling, hand over responsibility for managing money to your partner (for life) and get yourself to a GA meeting.

Your life will get better day by day, believe me.