MBS = Bankruptcy

[urgg]

Hi all bro and sis out there. Sorry to post this thread over here cuz duno where to post le.. dun minus my point pls... just want to share my own si bei jialat experience

Anybody here frequent casino? MBS, RWS or even overseas one..

I started to frequent MBS during 2011.. that was the start of a horrible and painful life!! I was married that year and to be very frank, Singapore got no where better to go.. so there was this fateful nite i jio my wife to go MBS to see and experience.. She was reluctant at first but we eventually went there..

We stay for a good 12 hrs there playing the 3 picture game.. Guess what? We never win and in the end loss about $800...

[urgg]

The next day we paid another $100 levy each and fight again.. This time we won $1000 plus on top of the $800 we lost.. This is the start of the nightmare...

From then on, we started to visit MBS every weekend.. and our saving starts to get lesser and lesser... until i resort to cash advance from CC and taking up loans from bank just to feed my addiction to gambling.. I was working in a govenment sector and i am suppose to declare if im in debts which i didnt do so..

Goverment people is so clever they can track everything out of you.. Not surprisingly, they ask me to send them my credit repot and i decline.. not long after, i was terminated disgracfully.. i do not want to elaborate much on this.. By the time i was terminated, i have spent around 2 years fighting with MBS chalking up debts of near to 100k..

[Johnbass]

Government so clever can track your credit status?
Or the banks called/email to your office?
$100K debt still can tahan 2 yrs without paying?
U GG liao lor...
Tiaogng just go declare bankruptcy and everything will be solved.
Or you can go try hoot MANU win this weekend.

:cool:

[urgg]

I am paying minimum every month.. but the debts still stays the same with the interest chalking up every month.. soon i began to receive lawyer letters.
The bank will call up every single day to ask mi for paymentand threaten to sue me bankrupt..

i went to credit council.. One hope.. nothing works.. at that point of time i just hope someone can lend me a lump sum to settle off my debts. But that is just wishful thinking.. In the end i self apply bankruptcy. Guess what i need to pay $1800 to apply for self bankruptcy! what a joke!!

[happywoody]

the only way to make money from a casino is to own one ... stanley ho

[urgg]

Apart from the $1800, there are still alot of fees to be paid accumulating up to 1k plus.. damn nonsense.. but then luckily im not a bankrupt now. I was refer to another repayment plan. i have since exclude myself from IR.

The whole purpose of this thread is to warn others not to even step in any of the casinos. Not to borrow from legal/illegal money lenders! which luckily i never.

But interesting thing is that, for the 2 yrs when im involve in this stupid situation, my sex drive super low because of all the stress.. now that i have recover.. hahaha..

Anyone who have problem with gambling addiction and in debts can ask me for advice on the repayment plan.. Gambling will not settle any problem..

[Johnbass]

So u paid up $100K in 2 years?
Power leh...
:D

[ColdBlood99]

Hi all bro and sis out there. Sorry to post this thread over here cuz duno where to post le.. dun minus my point pls... just want to share my own si bei jialat experience

Anybody here frequent casino? MBS, RWS or even overseas one..

I started to frequent MBS during 2011.. that was the start of a horrible and painful life!! I was married that year and to be very frank, Singapore got no where better to go.. so there was this fateful nite i jio my wife to go MBS to see and experience.. She was reluctant at first but we eventually went there..

We stay for a good 12 hrs there playing the 3 picture game.. Guess what? We never win and in the end loss about $800...

The next day we paid another $100 levy each and fight again.. This time we won $1000 plus on top of the $800 we lost.. This is the start of the nightmare...

From then on, we started to visit MBS every weekend.. and our saving starts to get lesser and lesser... until i resort to cash advance from CC and taking up loans from bank just to feed my addiction to gambling.. I was working in a govenment sector and i am suppose to declare if im in debts which i didnt do so..

Goverment people is so clever they can track everything out of you.. Not surprisingly, they ask me to send them my credit repot and i decline.. not long after, i was terminated disgracfully.. i do not want to elaborate much on this.. By the time i was terminated, i have spent around 2 years fighting with MBS chalking up debts of near to 100k..

I am paying minimum every month.. but the debts still stays the same with the interest chalking up every month.. soon i began to receive lawyer letters.
The bank will call up every single day to ask mi for paymentand threaten to sue me bankrupt..

i went to credit council.. One hope.. nothing works.. at that point of time i just hope someone can lend me a lump sum to settle off my debts. But that is just wishful thinking.. In the end i self apply bankruptcy. Guess what i need to pay $1800 to apply for self bankruptcy! what a joke!!

Apart from the $1800, there are still alot of fees to be paid accumulating up to 1k plus.. damn nonsense.. but then luckily im not a bankrupt now. I was refer to another repayment plan. i have since exclude myself from IR.

The whole purpose of this thread is to warn others not to even step in any of the casinos. Not to borrow from legal/illegal money lenders! which luckily i never.

But interesting thing is that, for the 2 yrs when im involve in this stupid situation, my sex drive super low because of all the stress.. now that i have recover.. hahaha..

Anyone who have problem with gambling addiction and in debts can ask me for advice on the repayment plan.. Gambling will not settle any problem..

bro, its good that you know how to put a stop to the end, $$$ can be earn as long as u still have your family around. if you want to repay fast i would request you to go drive part time taxi. i calculated if i drive daily 6-7 hour + my full time job. i can hit about 5k++ at least per month. debt can be slowly clear no worry on that. i hope you dont step in any more, for leisure yes but long term no.

during this few year i step in to RWS 4-5 time and MBS once. i only won once at MBS about 2k. so you can see that % winning is low.

greediness will make us lose in long term.



Government so clever can track your credit status?
Or the banks called/email to your office?
$100K debt still can tahan 2 yrs without paying?
U GG liao lor...
Tiaogng just go declare bankruptcy and everything will be solved.
Or you can go try hoot MANU win this weekend.

:cool:


don use my tips go tell everybody leh, later this week sink again :eek::D

[Johnbass]

don use my tips go tell everybody leh, later this week sink again :eek::D

Good lobang must SIC mah...
If lose, all lose together!
:D

[urgg]

Bro coldblood,

I exclude lo... want to go also cannot go.. everytime i went in is to tell myseld to win and pay debts.. but that will never work. I won 10k once in the stupid texas holdem and i lost back immediately.

I going to register for taxi liscense. can kill time and earn money. Scully chance upon lady luck?! hahahaha..

Anyway bottomline is gambling will not work. And it is never too late to stop!
I also stop soccer betting. done that in my very young days.. also the same.. lose until take off shorts.

[ColdBlood99]

Bro coldblood,

I exclude lo... want to go also cannot go.. everytime i went in is to tell myseld to win and pay debts.. but that will never work. I won 10k once in the stupid texas holdem and i lost back immediately.

I going to register for taxi liscense. can kill time and earn money. Scully chance upon lady luck?! hahahaha..

Anyway bottomline is gambling will not work. And it is never too late to stop!
I also stop soccer betting. done that in my very young days.. also the same.. lose until take off shorts.

better dont step in again. banker in long term will have profit, if you want win is only short time, win then run, cannot bet for long term.

ofcause gambling will not work.

soccer wise still can win if you can control, analysis, check histroy and do your home work.

if you can quit gambling which is good.


there is a 100% winning strategy which is "Dont bet = winning".

ofcause i myself also cant quit on soccer :D

for sure whack man u this week to win some kopi $$$. $50 enough :D

[Greendevil]

I stepped in once to MBS many moons ago when she just open with the idea to @@. Before i go in, i left all my cards at home with 400 in wallet and a MRT card. I tell my self, go in @@ and try luck a bit. End up, i pay the 100 entrance, lost the 300 in 30 min time and never went in ever.

[SnowLeopards]

Goverment people is so clever they can track everything out of you.. Not surprisingly, they ask me to send them my credit repot and i decline.. not long after, i was terminated disgracfully.. i do not want to elaborate much on this..

I find this aspect of your writing rather interesting, if it is indeed true.

My question. Where is the line drawn when it comes to privacy ?

Pierre.

[DO_YOU_BJ]

I find this aspect of your writing rather interesting, if it is indeed true.

My question. Where is the line drawn when it comes to privacy ?

Pierre.
PRIVACY is non existent on this dot of ours

[cuscorex92]

casinos had never worry bout ppl winning,they worry ppl dun com nia...

[urgg]

If you are in the government sector,you will know what i mean. Even onlin gambling they will find out. There is no privacy! you will need to declare every single shit.

After the 2 years playing with fire in MBS, i saw alot of things and know alot of people. There is this guy who are left with his $300 playing Stud Poker. he wanted to leave the table but the guy sitting beside him telling him to play one last hand. He stay on and he got a royal flush. The jackpot money was around 1mil.

Should he decided to leave and not play, the guy who tell him to stay will get the royal flush himself. The guy who strike jackpot gave him around 10k to thank him. Now the jackpot winner with his wife is always seen around in MBS holding a glass of wine. This is luck. But seriously i think he lost back his winning if he continues..

[MIFAcafe]

Easy come, easy go.....

Best don't gamble......

If you lost $200 you start to get upset and leave.... it is a good sign you are not addicted to gambling....

If you always gamble util you lost every cents or when you sleepy.... meant you are addicted to gambling ...... so sad.


seriously i think he lost back his winning if he continues..

[urgg]

Started this thread in the hope to advice those currently still in debts and yet still gamble in the hope of winning back the money to stop all these.

Even if you are 100k in debts now, there is still ways and means to settle. Don't go to Legal/Illegal loanshark!

I believe you will win only when you are confident and a big gold mountain like ah lim. Dont bother to gamble in anything when ur in debts. it will only becum worse. When you are in debts, you becum worry, scare and depress.. Sure LOSE!!

[Blast88]

Started this thread in the hope to advice those currently still in debts and yet still gamble in the hope of winning back the money to stop all these.

Even if you are 100k in debts now, there is still ways and means to settle. Don't go to Legal/Illegal loanshark!

I believe you will win only when you are confident and a big gold mountain like ah lim. Dont bother to gamble in anything when ur in debts. it will only becum worse. When you are in debts, you becum worry, scare and depress.. Sure LOSE!!

Agreed, I was once similar to your situation. Visited 2 IR & lost almost 10K within a month. We sometime do not know how to withdraw our self after winning, thinking since we have already paid the 100 levy so will try to full utilize the 24hrs timing as much as possible but for sure the longer time you stay inside, the higher you will be losing in the end

Worst still, if you win on 1st round, you will have more urge to go again, thinking luck are always with you, u will definitely win more, these are human nature-greed which we need many determination to overcome & for sure your re-visit will likely end up with these faces:confused::(

[Hurricane88]

Started this thread in the hope to advice those currently still in debts and yet still gamble in the hope of winning back the money to stop all these.

Even if you are 100k in debts now, there is still ways and means to settle. Don't go to Legal/Illegal loanshark!

I believe you will win only when you are confident and a big gold mountain like ah lim. Dont bother to gamble in anything when ur in debts. it will only becum worse. When you are in debts, you becum worry, scare and depress.. Sure LOSE!!

good that you had become sober and got off your gambling addictions...:)

btw...how much are you repaying monthly...:)

[urgg]

Hi Bro,

I pay 900 monthly... for 5 years.

[steelhorn]

Started this thread in the hope to advice those currently still in debts and yet still gamble in the hope of winning back the money to stop all these.

Even if you are 100k in debts now, there is still ways and means to settle. Don't go to Legal/Illegal loanshark!

I believe you will win only when you are confident and a big gold mountain like ah lim. Dont bother to gamble in anything when ur in debts. it will only becum worse. When you are in debts, you becum worry, scare and depress.. Sure LOSE!!

Is only at this desperate stage, many would asked why he didn't insist to abolish the casino idea. Bringing hell closer to many door steps. Sad..

[DO_YOU_BJ]

Is only at this desperate stage, many would asked why he didn't insist to abolish the casino idea. Bringing hell closer to many door steps. Sad..

Hell's door is always open. We hv to make a conscious decision whether we wanna walk in or not for no one or nothing can force us to walk in if we choose not to. Curiosity kills the cat!

[Castrol]

http://image.tmdb.org/t/p/original/f8QXZ7H51ur0zwHbsQS2p79e6Gp.jpg

[steelhorn]

Hell's door is always open. We hv to make a conscious decision whether we wanna walk in or not for no one or nothing can force us to walk in if we choose not to. Curiosity kills the cat!

We knew this willing and turn away options. Think of it, if hell's door is not opened near you, what's the chances of many non gamblers becoming one? Does this easy accesssability contributed to this evil deed. I'm speaking of real life story.

[AmericanExpress]

for regulars, just get the annual pass.

if u travel, have to factor travel time and inconvenience. Manila or Genting not even half facilities as MBS

real crown still goes to Venetian in Macau :D

[(bossy)]

Good tread, upped you.

[DO_YOU_BJ]

Does this easy accesssability contributed to this evil deed. I'm speaking of real life story.

At the end of the day, do we blame this blame that for things that we WILLINGLY do?
I hv yet to enter MBS till this day & I personally know many who hv not. I too am sure many bros here also hv not even stepped into the place. Drive by all the time. So who do I blame for not being keen on walking in?
There are many forms of addiction in life. Yes, there's a price to pay for any addiction. At the end of the day, whether one goes back or totally kick the addiction, is also the person's WILL POWER at work. Not because that Hell's Gate was near to him/her.

[steelhorn]

At the end of the day, do we blame this blame that for things that we WILLINGLY do?
I hv yet to enter MBS till this day & I personally know many who hv not. I too am sure many bros here also hv not even stepped into the place. Drive by all the time. So who do I blame for not being keen on walking in?
There are many forms of addiction in life. Yes, there's a price to pay for any addiction. At the end of the day, whether one goes back or totally kick the addiction, is also the person's WILL POWER at work. Not because that Hell's Gate was near to him/her.

We are not playing the blame game here. But stating how risky this 'sad opportunity' given to addicts suffered huge losses and non-gambler closer chance to becoming one. Will power is easy applied when you and me are not an gambling addict. But when you bring the casinos nearer to the addicts, is all hell break loose for them. The easy accessibility to opened hell's gate is just too hard to resist for many addicts. I know many cases stopped going to the casinos not becos of their will power but utterly broke. And from non gambler becoming one simply becos of curiosity. When many casinos had been around in the region for years, you don't see them curious about gambling.
TS's case proved my point. And is one case too many.

[milf5554]

My thoughts .......................


The gambling known as business looks with austere disfavor upon the business known as gambling.

Sports and gaming, whether pursued from a desire of gain or love of pleasure, are as ruinous to the temper and disposition of the party
addicted to them, as they are to his fame and fortune.

Games of chance are traps to catch school boy novices and gaping country squires, who begin with a guinea and end with a mortgage.

Bets at first were fool-traps, where the wise like spiders lay in ambush for the flies.

The pain of losing is always diverting, so is the thrill of winning.

The loser, in hopes of retrieving past misfortunes, goes on from bad to worse, till, grown desperate, he pushes at everything and loses his all.

If want to WIN you got to know when to hold them know when to fold them know when to walk away know when to run know when to return.

In gambling the many must lose in order that the few may WIN!

[urgg]

Morning Bros,

Thank Bro Bossy for the upz. I became negative 4 yrs back when i started a thread also bout MBS. But that one i remember was asking about any escort in MBS. I guess i post in the wrong forum and kena whack. Never feel so good to be over 20pts now!

Bro Milf5554,
Your english Sibei TAKong!! I LIKE!!

Anyway, at many point of my time when im in debts, i have try to stop gambling. But i have to admit i am fcuking addicted and also wanted to win back all the money that i have lost. I have never reli go and find a solution to solve the problem and my mind is that only carry on gambling and see if i can strike jackpot. The truth is that it never happen. Pay come in, 1 day gone.

At the point when i am in 50k debts, i pick up the courage to borrow 20k from one of my relatives to return some minimums to all the banks. i used 5k to pay some banks and the rest... I can only say i am a CB kia..

I was in a situation where i have to dig out all my piggy bank coins to have my meal. Nobody will pity this kind of pple. Lucky i hums, if not i jump down liao.

[urgg]

for regulars, just get the annual pass.

if u travel, have to factor travel time and inconvenience. Manila or Genting not even half facilities as MBS

real crown still goes to Venetian in Macau :D

Bro, my thread is to discourage pple to quit and stop and to solve their debts problem. Annual pass die faster..

[jnudes]

Bro, my thread is to discourage pple to quit and stop and to solve their debts problem. Annual pass die faster..

bro you have my highest respect and salute for sharing your story here. I was in your path before during my uni days. Gambled and lost abt $10K in foreign casino.

Was very depressed that time as I kept losing until my friend told me to stop before the gambling destroyed my family. I listened to his advice and now quit all forms of gambling including 4D, soccer betting, horse racing, 6D, jackpot lottery, pokies machine.

Luckily I did not borrow money from anyone, including loan shark and all the money lost was personal money. Never mind I lost, I can still earn back the money, which I did and I am quite relieved for that.

[urgg]

There are a few agency that can help if you are in debts.

Credit Counsil Singapore

You will need to attend their so call counsilling at National Libary. They can help if you are owing money to the banks. i kind of forgotten how much they charge you..( yes you still need to pay a fee.. ) a few hundreds but can pay by installment. they will help you talk to bank and negoiate a monthy installment with minimum interest. However, that will not neccessary be approve as they want to see your financial commitment and whether you have enough to pay back based on your monthly income.

One Hope

They are some sought of a christian organisation. They will help you negoitate with legal/illegal moneylender.

Bankruptcy

There are a few consultancy out there that can help you to file for bankruptcy or repayment scheme. But.. a huge amount of fee needs to be pay to them to help you. ( Yes.. Money again.. ) Ranging from 1k - 1.5k..


Bottom line is not to give up on yourself. not to slip into depression. not to have suicide thots.. Everything can be solve if you want to..

[Blast88]

U need to have strong mentality & determination to quit casino gambling. At one time, when I stop going for couple of months, both IR will start sending u leaflet, sms, email, etc, indicating u are selected for all sorts of grand lucky draw, even upgrade your member card from classic to silver even to gold, indirectly influencing u to visit them again, basically it not easy to 'forget' them, they will send u whatever benefits info & 'tempt' u to visit again :(

[DO_YOU_BJ]

There are a few agency that can help if you are in debts.

Credit Counsil Singapore

You will need to attend their so call counsilling at National Libary. They can help if you are owing money to the banks. i kind of forgotten how much they charge you..( yes you still need to pay a fee.. ) a few hundreds but can pay by installment. they will help you talk to bank and negoiate a monthy installment with minimum interest. However, that will not necessary be approve as they want to see your financial commitment and whether you have enough to pay back based on your monthly income.

One Hope

They are some sought of a christian organisation. They will help you negoitate with legal/illegal moneylender.

Bankruptcy

There are a few consultancy out there that can help you to file for bankruptcy or repayment scheme. But.. a huge amount of fee needs to be pay to them to help you. ( Yes.. Money again.. ) Ranging from 1k - 1.5k..


Bottom line is not to give up on yourself. not to slip into depression. not to have suicide thots.. Everything can be solve if you want to..

Sometimes, self declaring bankrupt is a better way. CCS-Credit Councilling Spore is govt linked, they will go all out to help you manage your payback = FULL AMOUNT!

Since you were able to raise 100k to clear your debts, should u hv gone to those private credit agents, they prolly wud suggest u self declare, dong 3yrs for admin sake, n clear ur bankruptcy @ 30% the outstanding amount. U then hv additional 70k to spend. I didn't say or suggest gambling it away la.

Bankruptcy is just a term. To a person who rolls money, it's his best friend. To a wage earner, it's his worst enemy. They law is 2 sided. Learn how to use it to ur advantage :) Never worry about face value, it's the FACE VALUE thingy tat kills all debtors. Those tat dun heck care face value thingy, r wat creditors fear most!~

Good intention thread, respect respect bro urgg

[DO_YOU_BJ]

TS's case proved my point. And is one case too many.

In life, there are many bottomless pits tat lure us to jump in. Some will, due greed, curiosity etc etc. Some cant even be bothered in checking those pits out. At the end of it all, this vid answers them all. Hope it's as enlightening to u as it is to me

http://www.youtube.com/watch?v=5SzRS3a48ec

[urgg]

I consider alot of factor when i go fro self BK...

My face value is already not important.. (too depress to care about that)

My parents are old and how are they going to take it if they know this..

My house going to be gone i suppose so..

Hai.. sometimes we have to face the fact that we live for someone else..

Wei bie ren er huo..

[DO_YOU_BJ]

I consider alot of factor when i go fro self BK...

My face value is already not important.. (too depress to care about that)

My parents are old and how are they going to take it if they know this..

My house going to be gone i suppose so..

Hai.. sometimes we have to face the fact that we live for someone else..

Wei bie ren er huo..

Parents affected means the face value aspect still at play. If u educated & prove to them ur means, & its all name sake, then there is no reason for them to be stressed. They may celebrate wif u even for all u noe.
As for property, if its under ur name & private property, then transfer out to ur parents 1st before u self declare. If HDB & not bank but HDB loan, better still, no one can touch the flat.

Everything in life must plan dude. Whoever said being asset less is bad? Only people who tink they command a high credit worth & high credit rating r the real poor people.

[skypower_88]

Government so clever can track your credit status?
Or the banks called/email to your office?
$100K debt still can tahan 2 yrs without paying?
U GG liao lor...
Tiaogng just go declare bankruptcy and everything will be solved.
Or you can go try hoot MANU win this weekend.

:cool:

U must be drawing good pay in goverment sector. Personal bank loan max 4 times ur monthly salary. 100k? Mean u actually lost very much more.

Nevertheless, rws and mbs is earning million yearly. Where u think the money come from?

Now still not too late. If u go loanshark, u are totally gone.

[urgg]

U must be drawing good pay in goverment sector. Personal bank loan max 4 times ur monthly salary. 100k? Mean u actually lost very much more.

Nevertheless, rws and mbs is earning million yearly. Where u think the money come from?

Now still not too late. If u go loanshark, u are totally gone.

My pay at that time was average.. Nowadays bank actually gives you very high credit limit for credit card.. i got 20k credit from 1 bank.. i don't earn that much also.. Maybe they see i am from governement sector at that time..

[hoian]

Good thread and good advice. Up you.

[clubration]

Avoid MBS is part of it. Avoid trading in futures/forex/oversea shady property buying g'teed money scheme!! What you lose in MBS is probably a small sum compare to those investors. Good luck Bro!

[NottiSex]

My pay at that time was average.. Nowadays bank actually gives you very high credit limit for credit card.. i got 20k credit from 1 bank.. i don't earn that much also.. Maybe they see i am from governement sector at that time..

This is where I suggest you watch this
http://youtu.be/a5IYMwRvd68

My 2 cents on casino.
Most ppl who gamble in casino always believe they will be the lucky one.
But truth is, you might be lucky once or twice or maybe 10 times in a roll but over extended period of time you will lose money.

The house odds are Always against player. The house will always have a statistical advantage. In the long run the house will always win.

[torrentman123]

Take your chances in life.
Win or lose, it's your life.

I know 1 guy who won 1 million at casino (Royal flush). I also know 1 guy who trying to borrow money from me cos of debts.

2 sides of every coin.

[Machupichu]

Heard the IRs gross profits are stagnating at SGD6B the past year. Screw them for all i care coz they're still making good money. Won't be going in anytime soon after the initial couple of visits. Feel sorry for those ppl who have that rogue gene that makes them gambling addicts. Get out b4 you lose everything.

[5thOct2014]

Bro

Don't gamble. Find a job to earn back money.

Regards


The next day we paid another $100 levy each and fight again.. This time we won $1000 plus on top of the $800 we lost.. This is the start of the nightmare...

From then on, we started to visit MBS every weekend.. and our saving starts to get lesser and lesser... until i resort to cash advance from CC and taking up loans from bank just to feed my addiction to gambling.. I was working in a govenment sector and i am suppose to declare if im in debts which i didnt do so..

Goverment people is so clever they can track everything out of you.. Not surprisingly, they ask me to send them my credit repot and i decline.. not long after, i was terminated disgracfully.. i do not want to elaborate much on this.. By the time i was terminated, i have spent around 2 years fighting with MBS chalking up debts of near to 100k..

[zilturo]

self control is very important if you do visit casino. Tho easier said than done.

Personally, i practice this rule. only play with what you can afford to lose after all expenses and saving are catered to. i visit casino occasionally. not local, but overseas. because i don't feel like paying the levy :p

Every 1-2 month, i will pay a visit to genting for relaxation and of cos the casino. i can say my self-control is good. i always go with the intention that the amount i allocate for casino is already lost when i step into the casino. So this gives me no stress when i play.

i usually look for table with pretty dealer or have pretty girls seated at the table LOLZ. 醉翁之意不在酒 :D if i lose, then i will go for shopping, food and just rot my way through my stay at genting. if i win, i always stop win at 3 times my allocated budget, if i win that amount, doesn't matter. i will stop and use that money and treat my friend who accompany me up and buy stuff for my family back in singapore.

TS. it is always not too late to stop. good job waking up and getting your life back on track. hope you get your life back to normal asap. cheers and there are much more things to do in life than gamble. you have a beautiful wife and family. spend more time with them and enjoy :)

[carol888]

Good thread, i was also in debt betting 4D, soccer & casino..still paying debts..very difficult to kick off the gambling habbits

[FallenLove]

知错能改，善莫大焉

TS, It takes a man of fortitude to acknowledge his mistakes and shortcoming.
Just be reminded always that chance is not a given.
And don't forget those who lent a helping hand or stood by u during your darkest period - the least u could do in return is to prove by action that u've come out a better man...

Strive on! :)

[carol888]

but how come government sector can ask you to leave even you are in debts, unless a crime is committed

[OrangeDude]

TS, It takes a man of fortitude to acknowledge his mistakes and shortcoming.


Very true indeed bro

[urgg]

but how come government sector can ask you to leave even you are in debts, unless a crime is committed

The problem is i lied to them about my financial.. they have the right to terminate me.. it is all stated in the contract..

[porscheclub]

The problem is i lied to them about my financial.. they have the right to terminate me.. it is all stated in the contract..

Bro, man up & face the music. It is a good time to reflash your life now.

My father was a habitual gambler & lost few hundred millions of inheritance in his lifetime. He started gambling at age 13 & all relatives+friends shunned him by the time he fell at 50+, don't think he was a bankrupt but doesn't matter. He owned 2 yachts at his peak but died a taxi driver with debts.

Do the right thing while you still can.

[demonhunter]

Bro, man up & face the music. It is a good time to reflash your life now.

My father was a habitual gambler & lost few hundred millions of inheritance in his lifetime. He started gambling at age 13 & all relatives+friends shunned him by the time he fell at 50+, don't think he was a bankrupt but doesn't matter. He owned 2 yachts at his peak but died a taxi driver with debts.

Do the right thing while you still can.

At least he can proudly say he had a few hundred million before ....

[Parkerlon]

bro you have my highest respect and salute for sharing your story here. I was in your path before during my uni days. Gambled and lost abt $10K in foreign casino.

Was very depressed that time as I kept losing until my friend told me to stop before the gambling destroyed my family. I listened to his advice and now quit all forms of gambling including 4D, soccer betting, horse racing, 6D, jackpot lottery, pokies machine.

Luckily I did not borrow money from anyone, including loan shark and all the money lost was personal money. Never mind I lost, I can still earn back the money, which I did and I am quite relieved for that.

Bro u r my inspiration
I'm single as well and hook on to to soccer betting for 10 years and my money lost luckily is my personal money. Almost turn to borrow money. Now awaken and slowly save back my money. When I saved back , will fly to china to look for a girl I like.

[4getful]

The problem is i lied to them about my financial.. they have the right to terminate me.. it is all stated in the contract..

Even if u r not terminated, if u declare, maybe your career also will be gone. Either way, declare or not, i think its the same. correct to say that?

[urgg]

Even if u r not terminated, if u declare, maybe your career also will be gone. Either way, declare or not, i think its the same. correct to say that?

When you declare that you are u in debts, most probably your office will bio you already.. your management will say it is confidential, sooner or later the whole office will know, then you will be treated with weird looks.. ma chiam you kill somebody. confidential project will not be made known to you. you will not be handling anything that associate with finance.

So in the end, you will auto leave the company and start afresh somewhere..

[urgg]

Hi Bros out there who PM me regarding the settling of my debts, i have decided to post here as all of you can see. If you are still not sure of what i wrote, please feel free to PM me and i will try my best to explain again. Im not a guru here, just that i have been through the same shit and hope i can help.

For my case, i did not borrow from legal/illegal moneylender. All my loans were from bank. I have a family, i do not wish to go bankrupt. why? i worried i may have problem finding jobs, i dun want my family to be worried, i dun wan to see my name in the newspaper, restricted travelling.. etc..

For debts less than 100k
1) Approach CCS, Credit Council Singapore. you will be require to attend a briefing at National Libary. they will present to you how they are going to help u. it is a must to attend the briefing. What CCS will do is to help you reduce the interest and draft out a plan to repay monthly to all the banks you owe. It is NOT confirm you will be qualify. They will need to access your financial capability, whether you can mangage to pay off the monthly loans and after paying for loans, do you have enough money to eat, drink, call FL(joking la) etc.. this is also up to the bank on whether they are willing to let u take up this scheme. There will be a fee of a few hundreds dollar for this scheme. However, can pay by installment.

I attended the briefing but i never follow up. At that point, my thinking was that i sure cannot qualify.. and alot of hassle.. need to bring all the bank statement. ( When i receive all the bank letters, i have never dare to open and just throw away the letters). Alot of forms to fill up. I gave up. For more info, please visit http://www.ccs.org.sg/services

2) Another option is to opt for Debt Repayment Scheme (DRS). To opt for this, you need to apply for bankruptcy first.
It is either you wait for your creditors to sue you bankrupt or you file bankruptcy yourself. If you owe less than 100k, this scheme is 90% to be approve.
DRS is a 5yr repayment scheme. lets say u owe 100k. Over a period of 5yrs, you need to pay $1666.67 per mth.. With DRS, you may only need to pay $1000 a month for a period of 5 yrs depending on your financial status, committment.. etc.. This is a government scheme, not some scam or hoax. To be continue...

[urgg]

I opt for self bankruptcy myself. Why? i duno what will happen when bank sue me.. i dun want to go court! i dun want my family to find out..
The negative point of applying self bankruptcy is that i need to pay a total fee of $2.5k. i was thinking, CCB apply bankruptcy still need to pay money.WTF! Already no money still need to pay money.. The 2,5k is actually for newspaper printout to delcare to the whole world you are bankrupt, Court time and space.. documents.. etc..

To apply for DRS, you must have a job, must not own a car.

I went to google desperately for help in DRS and i found this consultancy. they help pple to process DRS. The cheapest i find is 1.5k. installment in 3mths, 500 each mth. what they do? they help u to process bankruptcy, do all your paper work, help you bluff your document to get maximum discount for monthly payment. you got car they can also help u to bluff until u got no car. This option is up to you. you can choose to do everything yourself and save the 4k in total. But to be honest, i think the procedure not easy. Any Bro here that have did that please kindly share..

For More info, Please visit http://www.ipto.gov.sg/bankruptcy-and-debt-repayment-scheme/debt-repayment-scheme.html

For those borrow from moneylender and loan shark, sorry i cannot help much. but you can go to One Hope. They will either talk to the money lender for you or they teach you how to talk to money lender..
http://onehopecentre.org/

Some advice.. dun avoid bank calls. answer and tell them you have no money and let them know that you are approaching CCS or DRS..
Open all your bank statement, Consolidate the total exact amount. you will need it..

Remember, dun give up... Feel free to PM me..

[autoroam]

For debts less than 100k
DRS is a 5yr repayment scheme. lets say u owe 100k. Over a period of 5yrs, you need to pay $1666.67 per mth.. With DRS, you may only need to pay $1000 a month for a period of 5 yrs depending on your financial status, committment.. etc.. This is a government scheme, not some scam or hoax. To be continue...


I went to google desperately for help in DRS and i found this consultancy. they help pple to process DRS. The cheapest i find is 1.5k. installment in 3mths, 500 each mth. what they do? they help u to process bankruptcy, do all your paper work, help you bluff your document to get maximum discount for monthly payment. you got car they can also help u to bluff until u got no car.


1000 X 12 X 5 = 60000
That means the Gov help u pay off 40k:confused:

Got car also can bluff til no car....
No wonder some rich ppl bankrupt still can enjoy life:mad:

Now any Bro can can teach me how to get a million dollar loan then declared bankrupt

[urgg]

1000 X 12 X 5 = 60000
That means the Gov help u pay off 40k:confused:

Got car also can bluff til no car....
No wonder some rich ppl bankrupt still can enjoy life:mad:

Now any Bro can can teach me how to get a million dollar loan then declared bankrupt

The Gov did not help me pay the 40k.. the 40k is consider forfeited by the banks.. When i told the bank i am going to apply for DRS, every single shit from the debt collection dept call me to offer me 40% off from my total debts. this is because they know that they will make a loss if i go to DRS.. This is some kind of loophole..

For your awareness, there are many big bosses out there who is bankrupt.. they earn alot but refuse to pay the banks and supplier.. in the end, trsf their money to other account and then delcare bankrupt to enjoy life.. they won't pay a single cent and remain a bankrupt until they die. Got money who care about face value?

[autoroam]

T
For your awareness, there are many big bosses out there who is bankrupt.. they earn alot but refuse to pay the banks and supplier.. in the end, trsf their money to other account and then delcare bankrupt to enjoy life.. they won't pay a single cent and remain a bankrupt until they die. Got money who care about face value?

That what i want to know how to have million dollars of other ppl in my pockets but bankrupt:D:D

[kenneth21]

seeing this thread, i also wanna share my sad story.

Like Ts, it was out of curiosity that lead me to visit the casino. 1st few visit, i was very disciplined and only visited when i had nothing on (i am self employed).

however, during those initial visits, i was kinda lucky and manage to win 1k+ each time without fail. Soon, greed overcome me and i decided to do this as a "job" since i was always out as a winner. Within 1 month of visiting the casino, i had won 40 over thousand, including a night where i won around 32k.

Atlas, that will be the start of my downfall. The next 1 year i lost close to 300k. all my personal savings, income and all gone. even chalk up overdraft facilities that i am around 70k in debt.

i couldnt take such a lifestyle anymore and came clean with my family members, which i manage to get help from and repaid everything already.

All i can say, the worst thing about the casino is not losing money. Its about losing your career. when you are induldge in it, you cant concentrate on any work at all. when u win, u think u dont have to work, coz its so easy to win. when u lose, u dont have mood to work and keep wanting to cover the losses.

hope no other bros or sis will follow such a footstep.

[joncheong]

seeing this thread, i also wanna share my sad story.

Like Ts, it was out of curiosity that lead me to visit the casino. 1st few visit, i was very disciplined and only visited when i had nothing on (i am self employed).

however, during those initial visits, i was kinda lucky and manage to win 1k+ each time without fail. Soon, greed overcome me and i decided to do this as a "job" since i was always out as a winner. Within 1 month of visiting the casino, i had won 40 over thousand, including a night where i won around 32k.

Atlas, that will be the start of my downfall. The next 1 year i lost close to 300k. all my personal savings, income and all gone. even chalk up overdraft facilities that i am around 70k in debt.

i couldnt take such a lifestyle anymore and came clean with my family members, which i manage to get help from and repaid everything already.

All i can say, the worst thing about the casino is not losing money. Its about losing your career. when you are induldge in it, you cant concentrate on any work at all. when u win, u think u dont have to work, coz its so easy to win. when u lose, u dont have mood to work and keep wanting to cover the losses.

hope no other bros or sis will follow such a footstep.

well said bro...had a friend who went down this path initially as well, but luckily he turned over a new leaf...

[Johnbass]

hope no other bros or sis will follow such a footstep.

Nice sharing.
:D

[arsenal_84]

when you are induldge in it, you cant concentrate on any work at all. when u win, u think u dont have to work, coz its so easy to win. when u lose, u dont have mood to work and keep wanting to cover the losses.


same concept applies to those who are trading...sometimes being too greedy can lead to a greater downfall.
so far my capital losses are only 3 digits so nowadays would stick to passive investing instead where the returns have hit 4 digits now.

and never use leverage to increase your dividend income, cause debt can be a double edged sword.

[HonkyTonkyMan]

I opt for self bankruptcy myself. Why? i duno what will happen when bank sue me.. i dun want to go court! i dun want my family to find out..
The negative point of applying self bankruptcy is that i need to pay a total fee of $2.5k.

Now 2.5k? I remember i self declare took about 1.6 damaged plus ad. But I think IPTO trying to clear back log. My friend later than me self declare and debt higher than me nearly a couple of hundred k, he just got his discharge from IPTO. For me i still waiting after ten years thou they already written to me to tell me i am up for consideration and ask if i want to propose any earlier settlement.

Actually bankruptcy is just a term, your life still goes on as normal. I still go on holidays every year, its just how you declare your income and just be a good boy and make monthly instalment and declare all your statement of accounts on time. Just don't kuai lai with IPTO, they will leave you alone.

[Giansex]

I was also in this shit before, before mbs, rwa was soccer betting, lose ard $50k in 2yrs, I had just started out working after graduating from poly. The 50k was meant for my part time degree programme. So quit soccer betting, work part time at cafe and thai disco to continue studying my degree.upon graduating found a better paying job in a local listed company and this was when casino just opened. My first trip was to rws and I was losing close to $2k and only left $100 so I show hand on jackpot and it payoff and i won $40k. Spent portion of winning on Rolex sub.:D so it become a mthly event, will bring $3k to fight mthly, things will going smoothly for the first few mth, won $2-3k every mth. After that all he'll break loose, from losing $3k a mth to $5k, and $8k. Before long my saving we're exhausted, cash advance from banks then to finance companies and ah loan and my luck were getting any better, so couldn't keep up with the repayment, bank sent out LOD, debt collector appear at my workplace cost me my job, ah loan call my family n neighbor threaten to set fire, the not so "fierce" ah loan offered me assignments, ie splash paint,lock gate and open accounts for them. In the end my family clear up my mess. This was the lowest point in my life.

Things have become better after I apply for self exclusion and I have seek counciling at the tai hua Kwan.cheers! My final advice don't even step into the casino if u can't control yourself.

[Giansex]

Morning Bros,

Thank Bro Bossy for the upz. I became negative 4 yrs back when i started a thread also bout MBS. But that one i remember was asking about any escort in MBS. I guess i post in the wrong forum and kena whack. Never feel so good to be over 20pts now!

Bro Milf5554,
Your english Sibei TAKong!! I LIKE!!

Anyway, at many point of my time when im in debts, i have try to stop gambling. But i have to admit i am fcuking addicted and also wanted to win back all the money that i have lost. I have never reli go and find a solution to solve the problem and my mind is that only carry on gambling and see if i can strike jackpot. The truth is that it never happen. Pay come in, 1 day gone.

At the point when i am in 50k debts, i pick up the courage to borrow 20k from one of my relatives to return some minimums to all the banks. i used 5k to pay some banks and the rest... I can only say i am a CB kia..

I was in a situation where i have to dig out all my piggy bank coins to have my meal. Nobody will pity this kind of pple. Lucky i hums, if not i jump down liao.

Bro this is common , I also hiong my few of my good friends tell them I will pay next mth, and roll over and over again.

[FT86]

I was also in this shit before, before mbs, rwa was soccer betting, lose ard $50k in 2yrs,

Things have become better after I apply for self exclusion and I have seek counciling at the tai hua Kwan.cheers! My final advice don't even step into the casino if u can't control yourself.

Bro...nobody can control themselves at casino one. Best is online self ban asap. If not dont even step in

[FT86]

Bro...nobody can control themselves at casino one. Best is online self ban asap. If not dont even step in

Typo...self control vs cant control

[Acegik]

Good thread.
Thanks for sharings.

[Summerhillt]

Aiya. Gambling kills lah. I think before the age of 22 I have already lost the full price of a Honda civic which I can fully pay for liao. Gambling is very funny 1. You win you feel work is lame for fuck I work so hard. But when you lose you tell yourself I don't want to bet liao. I will work hard forever. Than when your pay comes in after all your hardwork. You try 1 hand. Than lose. Than you work like shit again.

From back alleys in geylang , to gambling dens to poker house to online websites. Everything been there done that. Even overseas and local casinos. In the end what do you achieve ? Nothing lor. Cause sure lose back 1. Till today. I have never seen a guy Hoseh in gambling. Got lah. Hoseh that 50-60k than 1 month max. Also lose back everything.

Gamble the cycle very easy to see 1. Noobie starts gambling. Win liao feel Sibeh song. Than start to lose. Lose liao beg borrow steal. Go fight back. Lose again. Even sign handphone line lah. Sign courts electrical appliances to sell lah. Opt this 0% interest installement. Go epicentre buy MacBook la. Xa AH long lah. Haiz. In the end also lose.

But when you win people say you SATKI. Tonight go where Chiong ? When you lose. All kan your father mother why so stupid give birth to you. You so stupid so old liao still gamble. You damn pua siew yao siew.

I say gambling blood is in everybody. Just bet what you can afford to lose. Never credit !!

[alan2738510]

Bro Urgg

Most important is your wife still standing beside to support you ?

[adonis]

Also don't b a guarantor to any gambler. Especially if the gambler owes loan sharks. The gambler goes into hiding. Then the loan sharks come n harrass u. But loan sharks will never kill the debtors.

Women gamblers who owe a lot of money, do they turn to FLing? Where can I find them? Advertising in SBF?

Chinese people have been found to have a higher proportion of the obsessive-compulsive gene. I.e. the gene mutation that makes Chinese people wanna do a certain activity again n again like gambling. Or may b if S'porean can't buy expensive houses n cars, they gamble?

[miniboy]

Women gamblers who owe a lot of money, do they turn to FLing? Where can I find them? Advertising in SBF?


they are the faceless group found outside the casino
a beauty with excellent figure offer only at 10 bucks
a poor loser offer anything to get $$$

[urgg]

Bro Urgg

Most important is your wife still standing beside to support you ?

yap. but every house got its difficult to read prayers.. own problems beta to settle ownself..

[urgg]

Aiya. Gambling kills lah. I think before the age of 22 I have already lost the full price of a Honda civic which I can fully pay for liao. Gambling is very funny 1. You win you feel work is lame for fuck I work so hard. But when you lose you tell yourself I don't want to bet liao. I will work hard forever. Than when your pay comes in after all your hardwork. You try 1 hand. Than lose. Than you work like shit again.

From back alleys in geylang , to gambling dens to poker house to online websites. Everything been there done that. Even overseas and local casinos. In the end what do you achieve ? Nothing lor. Cause sure lose back 1. Till today. I have never seen a guy Hoseh in gambling. Got lah. Hoseh that 50-60k than 1 month max. Also lose back everything.

Gamble the cycle very easy to see 1. Noobie starts gambling. Win liao feel Sibeh song. Than start to lose. Lose liao beg borrow steal. Go fight back. Lose again. Even sign handphone line lah. Sign courts electrical appliances to sell lah. Opt this 0% interest installement. Go epicentre buy MacBook la. Xa AH long lah. Haiz. In the end also lose.

But when you win people say you SATKI. Tonight go where Chiong ? When you lose. All kan your father mother why so stupid give birth to you. You so stupid so old liao still gamble. You damn pua siew yao siew.

I say gambling blood is in everybody. Just bet what you can afford to lose. Never credit !!

Well said bro..

[urgg]

Also don't b a guarantor to any gambler. Especially if the gambler owes loan sharks. The gambler goes into hiding. Then the loan sharks come n harrass u. But loan sharks will never kill the debtors.

Women gamblers who owe a lot of money, do they turn to FLing? Where can I find them? Advertising in SBF?

Chinese people have been found to have a higher proportion of the obsessive-compulsive gene. I.e. the gene mutation that makes Chinese people wanna do a certain activity again n again like gambling. Or may b if S'porean can't buy expensive houses n cars, they gamble?

I saw a few hardcore women gamblers when im there.. after a while u will see them come with different guys to sponsor their addiction..

It is because we simply got nothing much to do in this small country.. and yet they set up the IRs to lure u in.. Casino is like M&M.. once u start u cunt stop! gamble to buy house and cars? don't ever think of it..

[urgg]

they are the faceless group found outside the casino
a beauty with excellent figure offer only at 10 bucks
a poor loser offer anything to get $$$

Boy, u kena hurt by them b4 ar?

10bucks? y not u help them advert here?

I think ur a loser. NBCB get out of my thread. :(

[jackson555]

I have seen how it can destroy people and relationships. It sucks to see that this greed is deeply rooted and near to impossible to help, however hard as I try.

[ElvisRocks]

I have seen how it can destroy people and relationships. It sucks to see that this greed is deeply rooted and near to impossible to help, however hard as I try.

Very true indeed bro

[loneranger1]

Can win abit go liao bcos when u win and u want more the longer u stay in eventually the money u win will be sucked back

[BTech]

My gambling vice is hoot 4d - big big !
$100 for 1 number n I only buy 1 number per draw .
So far for 10yrs never won even once!
Dun dare go mbs !

[urgg]

My gambling vice is hoot 4d - big big !
$100 for 1 number n I only buy 1 number per draw .
So far for 10yrs never won even once!
Dun dare go mbs !

Dun go MBS is the best la.. but hor 4d ma mai tan ar ni hiong mah.. :p

[cuscorex92]

see friends around me win 4d,few thousands few thousands...bt i alwayz remind myslf(or self conso): wat they tan into it & lost,i din see nia...

[hunter12]

Parents affected means the face value aspect still at play. If u educated & prove to them ur means, & its all name sake, then there is no reason for them to be stressed. They may celebrate wif u even for all u noe.
As for property, if its under ur name & private property, then transfer out to ur parents 1st before u self declare. If HDB & not bank but HDB loan, better still, no one can touch the flat.

Everything in life must plan dude. Whoever said being asset less is bad? Only people who tink they command a high credit worth & high credit rating r the real poor people.

hi any bros can shed some light for me....

Q1 - i'm staying in HDB with bank loan, the flat is under both my wife n my name, if i am sue by the bank for BK, can the bank apply to take over the flat and sell it even though only i owe them money but the flat is under 2 names.

Q2 - base on the bank can apply to take over our hse scenioro, if before the bank sue me for BK, i tranfer the flat to my wife alone, can the bank find fault with this arrangement? can they still apply to take over the flat?

Q3 - any bros know that is bank sue me for BK, i definately have to go to court to declare BK right? how does it go about it?

thank for shedding light in advance.... :)

[WonderMike]

Can win abit go liao bcos when u win and u want more the longer u stay in eventually the money u win will be sucked back

Very true indeed, the house always wins in the long run

[urgg]

hi any bros can shed some light for me....

Q1 - i'm staying in HDB with bank loan, the flat is under both my wife n my name, if i am sue by the bank for BK, can the bank apply to take over the flat and sell it even though only i owe them money but the flat is under 2 names.

Q2 - base on the bank can apply to take over our hse scenioro, if before the bank sue me for BK, i tranfer the flat to my wife alone, can the bank find fault with this arrangement? can they still apply to take over the flat?

Q3 - any bros know that is bank sue me for BK, i definately have to go to court to declare BK right? how does it go about it?

thank for shedding light in advance.... :)

Bro how much is ur debts? got more than 100k?

[hunter12]

Bro how much is ur debts? got more than 100k?

Bro urgg, is not more than 100k. around 50k + - there. Will the amount determine the 3qns i ask?

Thanks.....

[urgg]

Bro hunter, pm u liao.. remember.. all is not lost yet! :)

[porscheclub]

hi any bros can shed some light for me....

Q1 - i'm staying in HDB with bank loan, the flat is under both my wife n my name, if i am sue by the bank for BK, can the bank apply to take over the flat and sell it even though only i owe them money but the flat is under 2 names.

Q2 - base on the bank can apply to take over our hse scenioro, if before the bank sue me for BK, i tranfer the flat to my wife alone, can the bank find fault with this arrangement? can they still apply to take over the flat?

Q3 - any bros know that is bank sue me for BK, i definately have to go to court to declare BK right? how does it go about it?

thank for shedding light in advance.... :)

Not so simple. I'm sure you guys use CPF right? CPF repayment is priority followed by outstanding loans. You guys may get peanuts after full settlement and find yourself with no cash left to buy another flat & end up renting a room.

To transfer name is another hurdle. How about the outstanding loan, can your wife's income support the full loan under one name?

Try not to get yourself with a record under bankruptcy as it will leave you with a poor credit rating which can be a problem in future like getting housing/car loans & credit cards. Speak to the bank & try to settle it with a scheme, there's pro centres to help people in such situation.

[DO_YOU_BJ]

You're not in a very good situation. Let me try to answer your questions

Q1 - i'm staying in HDB with bank loan, the flat is under both my wife n my name, if i am sue by the bank for BK, can the bank apply to take over the flat and sell it even though only i owe them money but the flat is under 2 names.
Yes, the bank can take over the flat & sell below valuation & return the amount owed to your wife based on 50/50 split

Q2 - base on the bank can apply to take over our hse scenioro, if before the bank sue me for BK, i tranfer the flat to my wife alone, can the bank find fault with this arrangement? can they still apply to take over the flat?
Since the filing for bankruptcy has been done, you cannot move any assets anymore. Basically, you are already legally LOCKED in your current predicament

Q3 - any bros know that is bank sue me for BK, i definately have to go to court to declare BK right? how does it go about it?
This part I not sure. My experience was accompanying a good bro who self declared bankrupt instead of banks suing him. But he did hv very good legal counsel. Maybe you should visit them & see how they can assist you to your advantage?
http://sgdebtbuster.com/index.html
Hope this helps & good luck

[DO_YOU_BJ]

To transfer name is another hurdle. How about the outstanding loan, can your wife's income support the full loan under one name?
I remembered goin thru the documents wif my bro that requires all asset transfers for the past 5yrs to be declared upfront under oath.....tats y I said he's lock in his current predicament

Try not to get yourself with a record under bankruptcy as it will leave you with a poor credit rating which can be a problem in future like getting housing/car loans & credit cards. Speak to the bank & try to settle it with a scheme, there's pro centres to help people in such situation.

My friend got back his AA credit rating within 13months after being discharged.
It is possible.
But then again, he is someone who self declared bankrupt for strategic reasons not because he was broke. On the contrary, he's a bloody loaded bankrupt which makes many non bankrupt AA credit rating folks look poor lol

[hunter12]

You're not in a very good situation. Let me try to answer your questions

Q1 - i'm staying in HDB with bank loan, the flat is under both my wife n my name, if i am sue by the bank for BK, can the bank apply to take over the flat and sell it even though only i owe them money but the flat is under 2 names.
Yes, the bank can take over the flat & sell below valuation & return the amount owed to your wife based on 50/50 split

Q2 - base on the bank can apply to take over our hse scenioro, if before the bank sue me for BK, i tranfer the flat to my wife alone, can the bank find fault with this arrangement? can they still apply to take over the flat?
Since the filing for bankruptcy has been done, you cannot move any assets anymore. Basically, you are already legally LOCKED in your current predicament

Q3 - any bros know that is bank sue me for BK, i definately have to go to court to declare BK right? how does it go about it?
This part I not sure. My experience was accompanying a good bro who self declared bankrupt instead of banks suing him. But he did hv very good legal counsel. Maybe you should visit them & see how they can assist you to your advantage?
http://sgdebtbuster.com/index.html
Hope this helps & good luck

hi bro, for the 2nd qns... the filing of BK had not yet begain, base on what u say... it doesnt matter whether trf to wife name or not already right cause need to declare 5yrs of assests trf.

I jus hope can hold on to the hse cause i believed as long as i have a rooftop over me.. i can stand up again... that y i urgently need to find out one either self declared BK or being sue BK what must i do to keep the hse.

Thanks....

[porscheclub]

My friend got back his AA credit rating within 13months after being discharged.
It is possible.
But then again, he is someone who self declared bankrupt for strategic reasons not because he was broke. On the contrary, he's a bloody loaded bankrupt which makes many non bankrupt AA credit rating folks look poor lol

Oh yes, got a friend who owns more than 6 cars including Ferrari & a RR drophead plus a bungalow but still a bankrupt :D maybe you know him.

He once told me that if you want to bankrupt, do it on the banks & make sure it's big enough if not don't waste time!

Ditto on the declaration. Remember something like we have to declare all transfers within the last few years so we don't play foul.

[DO_YOU_BJ]

hi bro, for the 2nd qns... the filing of BK had not yet begain, base on what u say... it doesnt matter whether trf to wife name or not already right cause need to declare 5yrs of assests trf.
Yes, because of this 5yrs clause, u tsf now also considered too late. The namesake is actually not so jialat.
Bcos its HDB & ur loan is from bank & not HDB, tats where it gets more complicated. Can ur wife qualify to partake the balance loan soley under her name? Does her income qualify?
This part, I think u shud seek professional advice on how to make this whole saga to ur advantage as per the link i posted. I followed my bro from day1 & they're really good in their professional advice all the way till they did the filing for bankruptcy for him. U shud really seek them. Time is already not on ur side, u shud avoid procrastinating.

I jus hope can hold on to the hse cause i believed as long as i have a rooftop over me.. i can stand up again... that y i urgently need to find out one either self declared BK or being sue BK what must i do to keep the hse.
Thanks....
Tats y bro, i suggest u go seek their expert advice. Tell them wat u want at the end of everything & see wat they advice u. For all u know, they may even ask for ur wife to seek out the bank say she'll still fulfill the loan while u self declare bankrupt wif the help of a guarantor. Guessing only, I not legal expert. Just go bro, u hv nottin to lose liao.
Do share wat they advised u tat will make u WIN even though u r declared a bankrupt.
They r so good some banker even created a blog to scold them cos they declared someone bankrupt & not pay the money owed to the bank back lol......but best part is, what they did n do, is 110% LEGIT!

[DO_YOU_BJ]

Oh yes, got a friend who owns more than 6 cars including Ferrari & a RR drophead plus a bungalow but still a bankrupt :D maybe you know him.

He once told me that if you want to bankrupt, do it on the banks & make sure it's big enough if not don't waste time!

Ditto on the declaration. Remember something like we have to declare all transfers within the last few years so we don't play foul.

LOL i tink we do hv a mutual friend lol. I saw how my friend, thru the help of those legal gurus, became BK, drove a 7 series, stays on Kings Road, discharged, put cash in bank, within half month, his credit rating jumped one scale liao. 13mths later, AA rating..........this is called beating the system. Not the PAP style of living by the system.
But I confess, I no bolls to do the same else I'll be murdered in my sleep lol

[DO_YOU_BJ]

Now tat we're on this topic, I just remembered something. Bro hunter, wat i remember was tat my bro actually tarik wif the banks for 5yrs one month or a bit more but cfm not over 6yrs.
So wat he did was, he tarik, while doin it, understand he went thru 3 writ of seizures. In the process, he tsf car, hse, country club...simi lanjiao all tsf to his wife...then he dong dong tarik somemore....then past 5yrs, he said he's ready to declare bankrupt n went to do it n since everything over the 5yr mandatory period, he had nothing to declare liao

EDIT: They r not a community service. They are a business. Their svcs r not free either. There is a very small consultation fee & a fee for them to file ur bankruptcy. But from wat I saw, my friend was laughing when he came out from the judge's chambers n declared a BK while the others outside all looked down & sian half next to the lawyers representing the banks/finance companies who will be suing them.

Conclusion: Winners & Losers of the system :D

While waiting for my bro who was in chambers, i spoke to the chap sitting next to me. He was sued by a local bank for 50k. He asked me my friend kenna sue by who. I said self declare. He asked how much, i said 2.5...he stopped talking to me liao. Guess he knew his mistake also but too late le

[porscheclub]

But I confess, I no bolls to do the same else I'll be murdered in my sleep lol

You have too many wives lah :D

That said, your friend has a plan & a trusted spouse. If she packs up then he's screwed or else pass to mother :o

[DO_YOU_BJ]

You have too many wives lah :D

That said, your friend has a plan & a trusted spouse. If she packs up then he's screwed or else pass to mother :o

Yes bro, he has a very trusting & supportive wife. Listens to him almost 100%

[mariosuper]

how to get a 2.5 loan ah
dont mind hiong also, haha

anyway joke aside, i heard story of people trying to game the BK system, but end up fleeing the country. so probably during the 5 years ur friend have good plan and strong mental to hold thru also.

[DO_YOU_BJ]

how to get a 2.5 loan ah
dont mind hiong also, haha

anyway joke aside, i heard story of people trying to game the BK system, but end up fleeing the country. so probably during the 5 years ur friend have good plan and strong mental to hold thru also.

From wat I can remember, he was very determined to carry it out. His biggest worry was his wife not being able to take it. Surprisingly, they both mentally prepared themselves by not being mentally nor emotionally affected by all the door knocks, calls chasing for payments etc. Even during their 1st writ of seizure, the wife bot everything back immediately via cash after the baliff concluded the auction. So, legally, everything is then also under his wife's name.
U r correct. Most succumb to the door knocks or phone calls due emotional/mental stress....面子问题......but i can tell his wife & him r passed tat. They know what they want & wat they had to endure to reach there. They were mentally prepared.

Most will surrender after a few "HARASSMENTS" or break apart due internal quarrels...but I respect my 大哥&大嫂, they were really supporting each other & comforting each other throughout the entire ordeal. Plus, most importantly, the were already advised what they had to do, how long...so they were well briefed on the entire game & how it wud b from start to finish & they followed it to the dot.

As for how to get 2.5 loan, look at where he stays which i mentioned earlier & you'll roughly know how he qualified lol

[hunter12]

thank bros for all the advice, will b meeting a friend's friend whom is a lawyer or legal aids.. after that will go approach the debts consultancy ppl. hope everything turn up well.

[urgg]

thank bros for all the advice, will b meeting a friend's friend whom is a lawyer or legal aids.. after that will go approach the debts consultancy ppl. hope everything turn up well.

Best Of Luck Bro. look forward to a better 2015!

[HonkyTonkyMan]

I finally got my discharge a few weeks back after 10 years in bankruptcy. But I think a lot of people has the wrong idea of being a bankrupt. They think cannot travel or drive a car. Not true, as long as all these are not paid by you. OAs are not bothered about bankrupts as long as you don't play punk with them like not submitting annual SA on time or travelling without applying for a permit or not paying monthly instalments. All these are just minor inconveniences, the SA only do once a year and the permit to travel is normally valid for 6 months. It depends on what zone you are in, as long as you are in the green zone, everything should be ok.

[urgg]

I finally got my discharge a few weeks back after 10 years in bankruptcy. But I think a lot of people has the wrong idea of being a bankrupt. They think cannot travel or drive a car. Not true, as long as all these are not paid by you. OAs are not bothered about bankrupts as long as you don't play punk with them like not submitting annual SA on time or travelling without applying for a permit or not paying monthly instalments. All these are just minor inconveniences, the SA only do once a year and the permit to travel is normally valid for 6 months. It depends on what zone you are in, as long as you are in the green zone, everything should be ok.

Bro HTM, Congrats! :)

All the best!

[HonkyTonkyMan]

Bro HTM, Congrats! :)

All the best!

Thanks bro, it like a load off as officially no longer bk, thou it didn't really present much of a hindrance to my day to day life.

[urgg]

Bros & Sis. The spirit of Christmas should not be just for one day but for the whole year! Wishing you love, joy and peace the whole year round.
Merry Christmas :)

[FT86]

I finally got my discharge a few weeks back after 10 years in bankruptcy. But I think a lot of people has the wrong idea of being a bankrupt. They think cannot travel or drive a car. Not true, as long as all these are not paid by you. OAs are not bothered about bankrupts as long as you don't play punk with them like not submitting annual SA on time or travelling without applying for a permit or not paying monthly instalments. All these are just minor inconveniences, the SA only do once a year and the permit to travel is normally valid for 6 months. It depends on what zone you are in, as long as you are in the green zone, everything should be ok.

I am curious bro.. So when u discharge.. Means u fully paid up all your outstanding debts to the creditor whom sue u bankrupt? Or?? Pay a sum monthly until certain years n then discharge??

[HonkyTonkyMan]

I am curious bro.. So when u discharge.. Means u fully paid up all your outstanding debts to the creditor whom sue u bankrupt? Or?? Pay a sum monthly until certain years n then discharge??

No, my debts owing to my creditors still not cleared but I was discharge at discretion of Official Assignee. OA has the power at their discretion to discharge a bankrupt if the debt remaining is less than 500k and they have been in bankruptcy for at least 3 years. Another alternative is during your bankruptcy if you suddenly come across a windfall, you can offer OA to settle the whole debt. In this case, your bankruptcy will be annulled and your bankrupt record will be struck off. However, credit bureau might still retain the records for I think 5 or 6 months.

Fyi in Singapore unlike Hong Kong which I heard, there is no such thing as auto discharge after a period of years been a bankrupt. Hong Kong I was told is 4 years.

[FT86]

No, my debts owing to my creditors still not cleared but I was discharge at discretion of Official Assignee. OA has the power at their discretion to discharge a bankrupt if the debt remaining is less than 500k and they have been in bankruptcy for at least 3 years. Another alternative is during your bankruptcy if you suddenly come across a windfall, you can offer OA to settle the whole debt. In this case, your bankruptcy will be annulled and your bankrupt record will be struck off. However, credit bureau might still retain the records for I think 5 or 6 months.

Fyi in Singapore unlike Hong Kong which I heard, there is no such thing as auto discharge after a period of years been a bankrupt. Hong Kong I was told is 4 years.

Ah.. So meaning if OA Dulan u.. They can don't discharge u... But if they like u, they can discharge u...

But if u discharge.. Means your credit bureau also settle Swee Swee after 6mths?? So can take bank loans etc again?

[Phychopath]

No, my debts owing to my creditors still not cleared but I was discharge at discretion of Official Assignee. OA has the power at their discretion to discharge a bankrupt if the debt remaining is less than 500k and they have been in bankruptcy for at least 3 years. Another alternative is during your bankruptcy if you suddenly come across a windfall, you can offer OA to settle the whole debt. In this case, your bankruptcy will be annulled and your bankrupt record will be struck off. However, credit bureau might still retain the records for I think 5 or 6 months.

Fyi in Singapore unlike Hong Kong which I heard, there is no such thing as auto discharge after a period of years been a bankrupt. Hong Kong I was told is 4 years.

Thanks for sharing this bro, it was very insightful :)

[tailorman]

[QUOTE=DO_YOU_BJ;12301825]You're not in a very good situation. Let me try to answer your questions

Q1 - i'm staying in HDB with bank loan, the flat is under both my wife n my name, if i am sue by the bank for BK, can the bank apply to take over the flat and sell it even though only i owe them money but the flat is under 2 names.
Yes, the bank can take over the flat & sell below valuation & return the amount owed to your wife based on 50/50 split

HDB flat is protected against bankruptcy so need not worry about the flat. The OA will not do anything to it.

Q2 - base on the bank can apply to take over our hse scenioro, if before the bank sue me for BK, i tranfer the flat to my wife alone, can the bank find fault with this arrangement? can they still apply to take over the flat?
Since the filing for bankruptcy has been done, you cannot move any assets anymore. Basically, you are already legally LOCKED in your current predicament

Q3 - any bros know that is bank sue me for BK, i definately have to go to court to declare BK right? how does it go about it?
This part I not sure. My experience was accompanying a good bro who self declared bankrupt instead of banks suing him. But he did hv very good legal counsel. Maybe you should visit them & see how they can assist you to your advantage?

[COLOR="RoyalBlue"]Go for self bankruptcy, it will save you time and money. If you wait for the banks to sue you, they will stick their legal letter on your flat and the banks' legal fees will add to your debts.
http://sgdebtbuster.com/index.html

[tailorman]

Ah.. So meaning if OA Dulan u.. They can don't discharge u... But if they like u, they can discharge u...

No lah... You need to make effort to get yourself discharge too. Example, volunteer to increase the monthly contribution, cooperate with them and most importantly submit the statement on time.

You should be discharged after 3 to 4 years if debts is about 30% paid off if you are ""öbedient"

But if u discharge.. Means your credit bureau also settle Swee Swee after 6mths?? So can take bank loans etc again?

First few years hard to take loans, credit cards...
Get a debit card card first, follow by $10k secured credit card to build up credibility....If not really Tan Gu Gu

[Beretta]

Ah.. So meaning if OA Dulan u.. They can don't discharge u... But if they like u, they can discharge u...

But if u discharge.. Means your credit bureau also settle Swee Swee after 6mths?? So can take bank loans etc again?

I have heard it also depends on whom you owe your debts to. If it is a private entity easier to get discharge. If it is to a Stat Board or Govt Agency than you better wait long long.

[tailorman]

I have heard it also depends on whom you owe your debts to. If it is a private entity easier to get discharge. If it is to a Stat Board or Govt Agency than you better wait long long.

Not true - some debts in govt cannot be waived off. You will need to pay them back after discharge.
OA will put up the proposal to the creditors and some of these people handling the account really:mad:but most will listen to the OA recommendation.

[hunter12]

hi, i get my answer regarding on the HDB flat issue. if it is a HDB, regardless HDB loan or bank loan the OA will not touch or cannot touch. If it is private like condo, landed than it will be a issue liao.

Thanks again to all bros for the advise and encouragement.. :)

[HonkyTonkyMan]

Ah.. So meaning if OA Dulan u.. They can don't discharge u... But if they like u, they can discharge u...

But if u discharge.. Means your credit bureau also settle Swee Swee after 6mths?? So can take bank loans etc again?

Well if one play punk by being uncooperative with OA, naturally OA has rights to not to consider the bankrupt for discharge. That why they have the Green and Red Zone to see who are the bad hats.

How long it takes the CB to take your name off, I not too sure but I had read previously it would normally take 6 months or so. For loan, even if credit bureau take your name off the list, also difficult to get loans from bank. They have other ways of finding out one credibility.

[HonkyTonkyMan]

I have heard it also depends on whom you owe your debts to. If it is a private entity easier to get discharge. If it is to a Stat Board or Govt Agency than you better wait long long.

Bro fyi even as bankrupt, owe gov money must still pay. For example if before you were made a bankrupt and you owe the gov some income tax money, its not written off even after you are make a bankrupt.

[MoJoe313]

I too learned the hard way that gambling in casinos is confirm die ugly. Then, Singapore had no casinos.

So, when we had casinos, I never stepped inside any, except for 1 occasion where I had to entertain at RWS. Entertain already quickly ran out. Maciam like see ghost. I have never been inside MBS.

Nowadays, after quit gambling so long, when once in a while bet and lose $100 also heart pain. Like, it could buy my family a nice dinner. Last time, $100 was just a black color chip. Easy come easy go.

This casino thingy is a bad idea. I hope my kids never step inside them when they are of age.

[DO_YOU_BJ]

hi, i get my answer regarding on the HDB flat issue. if it is a HDB, regardless HDB loan or bank loan the OA will not touch or cannot touch. If it is private like condo, landed than it will be a issue liao.

Thanks again to all bros for the advise and encouragement.. :)

This seems very strange. Hope u got a water tight advise else u will hv a big headache. Remember, it's not OA who will want ur flat, but the bank that u loaned from to buy the flat.
Here's what I found for u
================================================== ======
Bankruptcy

Under the Housing & Development Act, so long as one of the flat owners of the HDB flat is a Singapore Citizen, the HDB flat (of any type) will not vest in the Official Assignee ("OA") in the event of bankruptcy of any or all of the flat owners; that is, the flat owners would not be compelled to dispose of their flat. However, notwithstanding the above, if the purchase of the flat has been financed with a mortgage loan from a bank or the HDB, then the flat may be sold by the bank through a mortgagee sale, or compulsorily acquired by the HDB in the event the owners default in the mortgage repayment and run up mortgage arrears.

The Official Assignee's consent is not required if a bankrupt flat owner wishes to sell his or her HDB flat which does not vest in the Official Assignee. This applies to bankrupt flat owners who belong to Singapore Citizen households.

For bankrupt flat owners of Singapore Permanent Resident Households ("SPR households"), it is a requirement that they get the Official Assignee's consent before they can sell their flat. The letter of consent must be obtained from the OA before the owners grant an Option to Purchase to the prospective buyers.
http://www.hdb.gov.sg/fi10/fi10322p.nsf/w/SellFlatSpecificCasesEligibility?OpenDocument
================================================== ========
I hope I am wrong about this.

If I am, then I hv to wish you a happy 2015 liao bro ;)

[tailorman]

Unless u default ur hdb flat payments, the banks cannot put up the flat for sale. If u sell ur hdb in the midst of ur bankruptcy, u will need to seek consent from OA. Some good OA will advise u not to as the cash proceed will be used to offset the debt. Thus die die cannot default the flat payment. HDB flat is leasehold property so debtors are powerless against it:D

[urgg]

I too learned the hard way that gambling in casinos is confirm die ugly. Then, Singapore had no casinos.

So, when we had casinos, I never stepped inside any, except for 1 occasion where I had to entertain at RWS. Entertain already quickly ran out. Maciam like see ghost. I have never been inside MBS.

Nowadays, after quit gambling so long, when once in a while bet and lose $100 also heart pain. Like, it could buy my family a nice dinner. Last time, $100 was just a black color chip. Easy come easy go.

This casino thingy is a bad idea. I hope my kids never step inside them when they are of age.

Yeah bro, hopefully when ur kids grow up, the two IRs will be gone.. but the hard truth is that, there maybe more IR coming up.. :(

[urgg]

hi, i get my answer regarding on the HDB flat issue. if it is a HDB, regardless HDB loan or bank loan the OA will not touch or cannot touch. If it is private like condo, landed than it will be a issue liao.

Thanks again to all bros for the advise and encouragement.. :)

Bro, like what Bro BJ mentioned, better check properly b4 u file for anything. it is not necessary to file for bankrupt if ur debts is less than 100k.. u can have other option..

[DO_YOU_BJ]

Update:
From what I've found out after making some calls for the sake of getting this info right, here's what I got "SUMMARISED!"
As long as the payment for the loan of the HDB flat can still be done after a person has filed for BK, be it by CPF or cash monthly, the banks DO NOT hv the right to take over your flat. Good news bro.
So just keep paying the HDB loan to the bank monthly & go declare self BK.

Congrats man ;)

[hunter12]

thank bros for the advise, encouragement.. especially bro Do You Bj... for making the extra effort of making call to find the right answer for the sake of bros here facing problems..

actually i not proud to be in this situation, but what done cannot be undone.. n i have to bear the consequency, face it, live with it. i believed in one thing, as long as i dont throw in the towel, i work thing out.. i can get out of it...

As long as there is a rooftop, i will survive again!! hehe :)

But to all bros if can, dont landed in this situation just like some of us.... of course, when there are plans with purposes to beat the system than is diff issues.... the amount must worth it all..

[DO_YOU_BJ]

Happy for u bro. Now u can close a chapter of ur life & start planning what the next chapter is going to be. Wishing u all the best in success & life & a Happy 2015.
Cheers ;)

[HonkyTonkyMan]

Unless u default ur hdb flat payments, the banks cannot put up the flat for sale. If u sell ur hdb in the midst of ur bankruptcy, u will need to seek consent from OA. Some good OA will advise u not to as the cash proceed will be used to offset the debt. Thus die die cannot default the flat payment. HDB flat is leasehold property so debtors are powerless against it:D

Bro you only need to seek OA approval if your HDB is 5 room or bigger. 4 rooms and below no need to seek approval.

[tailorman]

Bro you only need to seek OA approval if your HDB is 5 room or bigger. 4 rooms and below no need to seek approval.

That is for buying. I am referring to if u intend to sell ur hdb when u are still a bankrupt.

[urgg]

Bros, 2014 is ending soon.

To sum it up, the first half of 2014 is terrible for me! 1st Jan 2014 kena $200 fine from NEA for smoking at the void deck.. haha i will remember this for life. Thereafter, busy juggling my new job and settling my debts issue..

2nd half of 2014 is definitly better! settled my debts problem, banned myself from the IRs.. settled down in my current job and more active in my sex life! :D

Bros who are still in debts, i hope that you can settle the problem soon and have a good 2015 onwards! Always remember, debts can be settle. If bankruptcy is the only option, so be it... life still go on.. we can always 东山在起！bankruptcy is not end of the world!

I wish all of you a bless and happy 2015! :) Word hard, Screw hard! :D

[hunter12]

Thanks bros for the well wish... !

Yup.. 2014 is going to b over in a few hrs time.. The new year 2015 is arriving soon!!
In debts, bankruptcy is definitely not the end of the world... Remember, money can settle one, is not a issue.

Wishing all bros to stay healthy, stay strong and stay hard!!!!

[HonkyTonkyMan]

That is for buying. I am referring to if u intend to sell ur hdb when u are still a bankrupt.

5 room want to sell also must seek OA approval first.

[bigpussy]

best of luck for 2015 bro cheers:)

[Giansex]

sometimes i think being bankrupt knock some sense for those in debts, as least whatever they earn the pay as compare to owing ah loan or license money lender. They will haunt u forever..Sometimes i still get "cold call" from ah loan and money lenders say i have god record loan will be approve in an hr etc.knnccb!

[HonkyTonkyMan]

Banks or Ah Longs, never ever borrow money from them. These people are sharks, especially banks, the minute they hear something not right, they will start recalling the loan.

[Josh_Ray]

i've heard of someone saying, if u see candy/sweets or small items that look like toys on the floor in the casino, do not touch or pick it up.. its for "someone"

anyone knows why ?

[Summerhillt]

i've heard of someone saying, if u see candy/sweets or small items that look like toys on the floor in the casino, do not touch or pick it up.. its for "someone"

anyone knows why ?

For the gui kia to eat de ma..

[FewOfUs]

Banks or Ah Longs, never ever borrow money from them. These people are sharks, especially banks, the minute they hear something not right, they will start recalling the loan.

Very true indeed bro

[urgg]

i've heard of someone saying, if u see candy/sweets or small items that look like toys on the floor in the casino, do not touch or pick it up.. its for "someone"

anyone knows why ?

If u see someone playing beside u suddenly put sweets on the table.. means it is feeding time! :D but somehow they still lose...

[urgg]

Banks or Ah Longs, never ever borrow money from them. These people are sharks, especially banks, the minute they hear something not right, they will start recalling the loan.

Legal money lender is the scariest...I can oli say our Cheng Hu fucking stupid.. always create problem rather than solving problem :(

[Josh_Ray]

i see.. anyone got a better idea other than putting sweets ?

If u see someone playing beside u suddenly put sweets on the table.. means it is feeding time! :D but somehow they still lose...

[Josh_Ray]

would the owners be generating bad karma for themselves ?

For the gui kia to eat de ma..

[urgg]

i see.. anyone got a better idea other than putting sweets ?

Better idea for what? To win in casino? Fren.. the winning formula is to exclude yourself.. sure win :)

[Notary]

i have spent around 2 years fighting with MBS chalking up debts of near to 100k..

Bro urgg,

I hope you've fully recovered from your nightmare.

[urgg]

Bro urgg,

I hope you've fully recovered from your nightmare.

Yeah.. Im fine now.. Thks mate. :D

[Summerhillt]

Yeah.. Im fine now.. Thks mate. :D

Thats great.. 100k is a huge sum to most people. But since you have walked out of it. Enjoy the long road ahead !