The law stipulates: "Gambling property and gambling tools shall be confiscated. The property obtained from participating in and using gambling shall be recovered. The gambling debts owed by gambling and the creditor-debtor relationship formed by borrowing and gambling in casinos should be abolished. " So you don't have to pay off your gambling debts. You can have a friendly talk with creditors in legal terms first. If the other party threatens or intimidates with violence, it depends. If it's just a verbal threat and you haven't hurt other debtors before, you don't think he will really hurt me. You can tell him that if you dare to do something that hurts me and my family, I will call the police immediately, and you will bear legal responsibility. If the police can't help you, we can meet in court. Anyway, lawyers from legal aid agencies provide free defense. If he can really hurt you materially, I think it's best for both sides to sit down and talk it over and minimize the gambling debt. Here are some tips for dealing with creditors: First, you can make some police friends online and find a police academy or public security university on Renren. Although it shows that you are studying in the police academy, many of them have graduated. Or through police forums or police bars, such as Tianya Police Forum, 5 1 Police League, Police Club, China Police Forum, Sunshine Police Forum, Baidu Post Bar, Police Bar, Douban and other dating sites; Or through the police station. They will give you better advice and tell you how to deal with these people. You can lie to the creditor that you have a relative and friend who is a policeman, and you will not let him go if you hurt him; If necessary, let them stand up and talk to each other. If the police can cover them, almost every place has a mayor's hotline (online search). The local government website has the mayor's mailbox, so you can report to the mayor and ask for help, or to the minister of public security or other leaders, and then don't report to the TV station for exposure. I saw someone on the Internet who said that he had been followed by the other party for half a year, but he finally survived. If you go to court, remember to collect evidence. Pretend to mention gambling debts casually on the debit note, such as "I owe so-and-so money for playing cards on a certain day of the month", so that people can understand that it is gambling debts without arousing the suspicion of the other party, and record the dialogue between the two sides with mobile phones. And the amount of money should be mentioned in the conversation, and the evidence should be consistent with the amount. If there is no loan, you can record the conversation between the two sides. When you need evidence, pretend to talk to each other and record it as evidence. Generally, no witness is willing to testify. You can find a witness and pretend to ask him to testify, and then record the conversation. The evidence should match the figures. Second, if you are threatened by violence, intimidated or make trouble at home, it is very important to obtain evidence, such as secretly recording the conversation with your mobile phone. Remember to record clearly. Many times, we think that we can successfully record after pressing the record key, but we don't know that for various reasons, such as accidentally touching other keys after pressing the record key, or because the phone is hidden in the bag or other hidden places, the sound becomes blurred. In short, be sure to record the location of the mobile phone clearly. Take pictures of each other's faces at the same time. Try the recording function of the mobile phone more often to know when the recording is clear; I have recorded it many times, and I don't know most of the time. If possible, it's best to secretly shoot a video with a dialogue between the two sides. Better find a place with surveillance. If the home is disturbed, you should also take pictures of the scene after the mess. These are all evidence of police or lawsuit. The more evidence, the better. If there is not enough evidence, you can't be convicted. If it is still usury, please refer to the Notice on Several Opinions of People's Courts in Handling Loan Cases issued by the Supreme People's Court. The interest rate of private lending can be appropriately higher than that of banks, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed 4 times that of similar loans of banks (including interest rates). Beyond this limit, the excess interest will not be protected. 7. The lender shall not include interest in the principal to obtain high profits. If it is found during the trial that the creditor included the interest in the principal to calculate compound interest, if the interest rate exceeds the limit stipulated in Article 6, the excess interest will not be protected. 8. If there is a dispute between the borrower and the borrower about whether there is an agreed interest rate and it cannot be proved, the interest can be calculated by referring to the bank's similar loan interest rate. If there is a dispute between the borrower and the borrower over the agreed interest rate, which cannot be proved, the interest may be calculated with reference to Article 6 of this opinion. Generally speaking, the more formal, bigger, more reasonable and more civilized usury companies are. I can't guarantee that what I said is completely correct, but there should be little difference; Every case is different. I suggest you search the local legal aid hotline online for detailed consultation. If you want to go to court, you can search the local legal aid agencies online, and a lawyer can provide defense for free, but only if you meet the application conditions and may have financial difficulties. In addition, every law firm has a legal aid place that must help people with lawsuits for free every year, so you can ask for legal aid in any law firm! Almost all the questions you want to know have answers online. If you don't understand, you can search on Baidu. I hope my answer can help you.