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Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.

For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.

Legal Issues Around Gambling Debts

When we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.

You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.

How To Deal With Debts Caused By Gambling

In dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.

The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.

With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.

Factors Leading To Internet Gambling Debts

It may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:

Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.

Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.

Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.

Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:

When you are not gambling, do you think about gambling and how you are going to get back to it?

Have you ever missed work because of online gambling?

Do you feel the need to gamble again after winning or losing?

Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?

Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?

Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:

Be open with friends and family and seek help with the problem.

Cancel any accounts you have with websites for online gambling.

Consider using software that blocks your access to online gambling websites.

Ways to Make Your Gaming Experience Safe

Games are an indispensable part of our life. Right from the kids to the elders, we are all interested in games. And the credit goes to that introduction of games in desktops. Nowadays, there are several devices that have been introduced in the attempt to recreate gaming experience on the go. They are of great use but to my belief, none can recreate the experience that PC games offer. They are interesting and with them, you are sure to forget everything else.

Only playing games would not do. You also have to maintain the security and safety being a conscious gamer. If you play online then there are several threats that might attack your PC. So you need to know some hacks that make gaming safer. Let us guide you with some of them.

Check the Links

If you are an online player and interact with many such players then you have to be sure that you are dealing with a genuine site. Check the URL if it is having a locked symbol in green color. This is a simple way that demarcates that all your data on the PC is safe. Do not use links that might be linked to several pages. Try to avoid links whose main page can be reached after visiting several pages.

No Personal Information, Please!

There are games that ask for personal information. It is normal to ask your gender and age but if the game goes way too far try avoiding it. Don’t use too much personal information because that can lead to duplication or misuse of identity. So, try to provide minimum information that is of least importance. Also, avoid sharing your location while you are playing online.

Use Antivirus Systems

New viruses are being invented almost every day. So, prevention is a must. The easiest and hassle free way to make your PC and any gaming safe is by using antivirus or internet security systems. This will prevent any unauthorised access to the infected or highly malicious sites. Even if some threats try to attack the system will automatically prevent it and make it safe. Having an antivirus will prevent duplication of data because of any breach of the security.

Nostalgia in Games

Nostalgia. The word brings to mind a joyous familiarity felt when engaging in something in the present that we really enjoyed doing in the past. Gaming is no different. Everyone has games that bring back memories from, what we think of now as, better times. Hindsight is a like the snob that points out what you could have done, hindsight tells us our childhood may not have been as bad as we thought. As adults we know how the world works. When we were growing up, we never really had a grip on the world. Hindsight tells us that those times were better, safer, less complicated. Games that bring on nostalgia puts us in the mindset of a kid again. It makes us feel safe, secure, and protected. Humans have a natural tendency to want safety and protection. Especially the adults, because as adults we know just how quickly the world can go from OK one day, to horrible the next. As gamers we seek safety and security in games.

I started gaming when I was very young as most gamers my age did. I grew up playing Super Nintendo and Nintendo 64 with my mom and sister. Super Mario, Kirby, and Mario Cart were a few of the titles that we played. Zelda was perhaps the biggest game we played. My mom has problems with fast-moving games like Call of Duty and other highly graphic games. So we played Super Nintendo and what a time it was! Zelda on the Super Nintendo we beat many times. I say “we” but it was my mom playing not me or my sister. Even thinking about it while writing this I’m getting nostalgia. We kept getting close to the end and then the game wiping our save out so we started over like three times. It was good times. That was when I was around six or seven or eight. Long time ago. Nostalgia gives us hope for the future. It tells us that if good times happened in the past then more good times will happen in the future.

Later I started gaming on my own. It is hard to think about what game came next in chronological order but they all had a theme: single-player strategy. A broad gaming description that can fit a lot of games in it. Games like Pharaoh and Cleopatra, Age of Empires II, and of course Sid Meier’s Civilization III. I was not allowed to play shooters as they had bad language in them and so was restricted to single player games. My parents were very protective and games were not as prevalent twenty years ago as they are now. Pharaoh is a city builder placing you in ancient Egypt. The goal of the game was the build great cities using the resources at your disposal and it was quite a challenge for an eleven year old. Age of Empires II is a real-time strategy game that is completely different from pharaoh. You have to balance resource collection and troop production to take down either AI or other players. Civ III was probably my favorite game growing up. To this day, I still play pharaoh and age of empires II.

Think about what nostalgia is again for just a second. It is a feeling coming from a memory. A memory of “better times” that may or may not be accurate. Games we played a long time ago, that brings back those memories, might not continue to be fun. Civ III I played for hundreds of hours when I was younger is not as fun now that I am older so I do not play it as much now. Sometimes nostalgia lies.

In conclusion, nostalgia in games is a good thing. It allows us to relive parts of our childhood that we otherwise would not have a reason to bring back up from the depths of our minds. Many people say that video games lead to anti-social behavior, violence, and a drop in school grades. Video games teach us how the world is. When you are playing multiplayer of any game you will usually find people who are just toxic. It prepares for dealing with the worst society has to throw at us. Human beings are prone to violence. The first murder happened when Cain killed Abel back in Genesis. I am pretty sure at they did not have video games back then. So this point is always going to be moot. The only point that actually makes sense is the drop in school grades. It takes a great deal of discipline to do school work over video games. It builds character this discipline. So next time you feel nostalgia coming on, take some time to stop and smell the memories. Bask in the thoughts of better times and the hope that good times are still ahead, no matter what the world tells you in the present. This is what video game nostalgia teaches us.