by Ajay Oberoi | Bankruptcy, collection calls, Consumer Proposal, Insolvency
by Ajay Oberoi | Bankruptcy, Budgeting, chrismas Debt, Credit Counseling
by Ajay Oberoi | Bankruptcy, Budgeting, chrismas Debt, Holiday Debt
by Ajay Oberoi | Bankruptcy, Credit Counseling, Credit Repair, Debt, Insolvency, Job Loss, Marriage, Mortgage debt
by Ajay Oberoi | Bankruptcy, Consumer Proposal, Credit Counseling, Fraud in Bankruptcy, Gambling
Gambling addiction has become one of the biggest addiction-related issues among people who live in Canada. This can lead a person to a large number of financial difficulties in the long run. Hence, it is important to have a clear understanding of how to overcome gambling addictions.
It is said that the pathological gamblers fail to resist their behavioral impulses. They are only concerned about the short term gains. For that, they tend to risk a large amount of money. These risks are in a position to create a negative impact on their entire lives. Hence, it is important for them to overcome their addictions and get help.
A person who is addicted to gambling will find it a difficult task to recover on his own. That’s the main reason why it is important to get external assistance and overcome the addiction. The recovery and treatment centers located around Ontario can provide excellent assistance to the gambling addicts with that.
Why is it important to get treatments for gambling addictions?
Before taking a look at the addiction treatment options available in Ontario, it is important to take a look at the negative consequences associated with it. Then you will be tempted to rush for the appropriate treatments. Or else, you will get convinced on the fact, why it is important to send your loved one, who is addicted to gambling to a help center.
Gambling addiction is in a position to give life to a range of social and personal issues. They include suicide, depression, family breakup, bankruptcy, assault, domestic abuse, theft, fraud, and homelessness. As you can see, getting these effects can be devastating. It can ruin the entire life of an individual. Hence, it is important for you to have a clear understanding on how to overcome gambling addictions. These effects will not just devastate the life of the gambling addict, but can also give life to negative effects on the workplace, family, and community.
People who are addicted to gambling often lie about the places that they go to. They also lie about how they spent their money. Hence, it is quite difficult for family members to identify an internet addict. But if you can keep a closer eye, it is possible to understand the addiction. Once you determine the addiction, it is important to rush to appropriate treatments. Otherwise, things would get worsen along with time.
Getting help for gambling
A large number of treatment centers are available in Ontario to help individuals who are dealing with addictions. The Ontario gambling helpline holds a prominent place out of them. Any person who is suffering from an addiction to gambling can think about getting the assistance of the Ontario gambling helpline.
Once you get in touch with the helpline, you will be able to receive information about the gambling and other related assistance initiatives that are available in the region. You can always make sure that a specialist is answering your call from the other end.
You can also chat with one of the professionals through their official website. Or else, there is a possibility to get assistance through emails. The website has got an excellent collection of resources available for the gambling addicts to refer to as well. You can think about browsing through it to make sure that you get the best possible assistance.
There are in-house gambling addiction treatment programs available in Ontario as well. If you are suffering from a gambling addiction or if one of your friends is affected by it, you can think about sending him to one of these treatment programs. They provide specialized treatment to all the gambling addicts. The knowledge shared on gambling addictions can provide excellent assistance to them with overcoming addictions. On the other hand, they will be able to understand how to engage with gambling in a responsible manner. Cultural teaching associated with gambling is also taught in these recovery and treatment centers.
Now you have a basic understanding of the gambling help centers available in Ontario. In addition, you also know what sort of assistance is available in Ontario for individuals who are dealing with gambling addictions. Hence, you just need to move forward and look for the best help centers out of them. Then you will be able to get the best possible treatments that you need and overcome the frustrations that you may come across. In case of you have the credit or debt issues visit www.gtacredit.com or call 416 650 1100
by Ajay Oberoi | Bankruptcy, chrismas Debt, Consumer Proposal, Credit Counseling, Credit Repair, Debt Management, Fraud in Bankruptcy
Most of the people who end up with debt assume that filing for bankruptcy is the only solution available for them to consider. You need to keep in mind that filing for bankruptcy would not make your debt go away. That’s because debt is divided into several categories. Out of these, the non-dischargeable debts will not go away, even if you file for bankruptcy. The debts that accumulate from fraud activities fall into this category. Hence, you are encouraged to pay special attention to this fact and make sure that you make an informed decision when overcoming such debt.
If the debt needs to be declared under non-dischargeable debt, it should fall under specific criteria. In fact, a creditor needs to go to the court and ask for the determination of fraud. If the creditor fails to do it, the debt will be wiped off. You should also keep this fact in mind when you are dealing with non-dischargeable debt.
What exactly is fraud?
Before we deep dive and understand more information on this topic, it is important for you to have a basic understanding of the topic of fraud. Fraud will take place when someone manipulates or lies. During the bankruptcy cases, the fraud activities usually take place as an expense of the creditor.
For example, most of the people are not honest about their true income, when they go ahead and apply to obtain a credit card. On the other hand, some people tend to hide their money from business partners when they work on joint business ventures. When your restaurant business goes down, you go ahead and sell all the items that you had in it, including the ovens and tables. After you do that, you will need to fairly divide the amount between all shareholders. But if you decide to pocket all the money, you will end up committing fraud. Therefore, you will need to take appropriate measures to overcome such situations and make sure that you don’t become a person who commits fraud. Otherwise, you will have to face a lot of issues when you file for bankruptcy.
Presumptive abuse of credit cards can be considered as one of the most common types of fraud. In here, you will be using your credit card to make payments and purchase a variety of luxury items, including jewellery, purses and to enjoy movies. You do this within the 90 day period before you file for bankruptcy. Then you will be committing fraud. But still, you can use your credit card to get all the basic necessities of your life, such as food and home rent covered. But if you use that money to purchase fancy stuff, which you really don’t need, you will be committing fraud. You never want that to happen.
These are just few examples of fraud and there are many more. Embezzlement, larceny and fiduciary fraud are to name a few.
A creditor is in need of a judgement
As mentioned earlier, the creditor needs to take the case to the courts and prove that you have committed fraud. Otherwise, you will not have to face any negative consequences associated with it. To do that, the creditor will need to file a lawsuit and get the fraud judgement to work against you. The creditors do it in several ways.
In most of the instances, the creditors file complaints alleging the fraud, even before you go ahead and file for bankruptcy. By doing that, it is possible for them to end up with two different judgements. Those 2 judgements include:
In here, the court will grant the judgement by default. To make sure that it doesn’t happen, you will need to provide a response within the given time period. If you fail to do it, you will be labelled as the committer of a fraud.
If you respond within the given time period, the trial will begin. The creditor will need to go through the trial period and prove that you have done the fraud. If you are proven guilty, the creditor will receive trial judgement.
When the creditor files a fraud judgement against you, all the debt that you own related to fraud would become non-dischargeable. This is the reason why it is important to get the assistance of an attorney, especially when you get a lawsuit. When you take quick action, you will be able to take appropriate steps to overcome the negative complications that are linked with the judgement.
There is a time period, which the creditor should adhere to, when filing a lawsuit against you for fraud. In fact, the creditor will need to do it within a period of 6 0days. If the creditor fails to do it, your debt will remain dischargeable, even if they are linked with fraud. This type of debt would eventually go away along with time.
Proving the fraud activity at the trial is not an easy thing to do. That’s because it is important to pay attention to a few important factors and prove them. The creditor will need to prove that you committed the fraud activity by having a good understanding of it. In other words, the creditor should prove that you purposely mislead something. On the other hand, the creditor should prove that they believed the misrepresentation that you did. As a result of all these activities, the creditor should prove that he lost his money at the end of the day.
All the matters that are associated with fraud are taken seriously. Therefore, it is important for you to get the assistance of a bankruptcy lawyer and how you can get assistance to overcome the pain and frustration associated with these situations. In case of you have credit or debt issues visit www.gtacredit.com or call 416 650 1100
