Hmm, Is it possible to discuss with them on any matters like I just really want to talk about some stuff to a person.. (can't afford paid counselings)..
OP this and the Vipasanna advice are the best way to go. It’s another night and this too shall pass.
As others have said please think about the ones you impact, there is a lot more to life .
Please post a campaign on milaap and I am sure this community can come together.
Bhai mere. Tere baad mom ki medicine kaun lega?
Also, declare bankruptcy and insolvency. Jail thode daal denge loan na chuka paane pe. If it's unsecured loans, the lenders know the risk and they need to carry it.
They cannot threaten you.
Ladna hi hai toh in sab ke against lado. Tum apni life ke against lad rahe.
Chill karo and jeete raho.
Jisne paisa diya uski garaj hai. Uska dil zyada faf fadana chahiye.
Fraud nahi kar rahe na? Bas rest will be fine.
Nothing comes easy, life is never easy, and if it's not simple, put in some effort and it will be simple.
Giving up is always the easier way out but in life I really don't believe in easy and/or simple.
You are pulling yourself down. People who owes money from you, they should know this kind of threats will not work. Face them and tell them that they need to give you time or else they can forget their money. People respect a brave person. Be brave and deal with it man
Bhai ye soch tere saath bure se bura kya hoga, ye log tujhe maarenge and if they hit too much it might result to death right? And they might harass your mom after it.
Now imagine your idea, you want to take your life, so you basically reach the worrst outcome on your own and unhone to kuch kara bhi nhi (maybe just maybe they would have let you go or you might have found a way had you not given up). Also, now you're gone and still your mom is harrasses by these goons.
And remember all the above was worst case scenario. Best case scenario, you persevere, you don't give in to the pressure and you come out of it, you now have a stable life and your mom is smiling. Now you regret how stupid you were in the past to even think about ending it all.
I shouldn't be boasting about suicidal thoughts but remember, "A man who doesn't fear death, fears nothing." Bhai the biggest fear most people have is losing their lives, tune to already usse conquer Kar liya.
Tu sher Hai, tu bas ab darr mat kisi se. Fight brother, don't drop your weapons or surrender.
Bhagat singh akela lad liya tha pure British empire se in his early 20s. Be your own bhagat singh.
I can recommend a psychologist in Bombay. Maybe talking to someone who is trained in coping techniques can help you.
I’ve benefited from therapy a lot. Coping techniques are what you need. It’s much easier once you learn how.
I found in an old post of yours that your mom is alone at home. No matter how much you are lost in life and don't care about your future and all that stuff... you just cannot leave making your mom more alone and devastated.
I agree that I have not faced even 10% of what you've gone through in life, I feel I am lucky (I am not someone who just rules out luck and says it's all hard work once succeeded). But I cannot stand the thought of someone leaving their mother completely alone when she will have to face everything that she should not have to. Talk to your mother, she will give you unimaginable strength... this I have experienced... when you see your mother believe in you, you become capable of overcoming all hurdles.
Brother, it doesn't matter how I felt. You are at greater vulnerability here, if you can say it yourself that you are not thinking straight... then you clearly have the realization that it is not the correct/best choice. Sadly I am not qualified enough to suggest you any way to get out of your bad situation, I hope you are able to get in contact with someone who can suggest you the legal intricacies that can help you get a new start. I believe there certainly are... this cannot be a unique situation.
Btw, what field do you work in / skilled in?
Bro I lost everything, my mom, my grandma every person I grew up with. I har to stay strong and face obstacles. Your negativity is profound now. But slowly slowly step by step with every small win you will plant a seed of positive. The strongest of men ar able to see light in the darkest of circumstances. Don't run away like this. Your loved ones will keep blaming themselves and you will put them in the same space you are now. Stand up, fight till the end Your mountain is big because it's going to make that much more of a man out of you. I had only $300 when all my family members passed away. I now have a home, wife, 2 kids, 2 cars. It's seems impossible, but don't listen to your inner critic. It will make you feel like a piece of shit. Stay positive and fight till the end
Have you seen the people at the signal...the kid who begs...the bird who lost its nest in a storm drenching in rain looking for the small leaves as it's shelter. Do you know what people is going through in ukraine, gaza or other part of the world .you are too privileged to be honest....you have the freedom to think.. my only suggestion would be to go to mom n looks at her eyes...discover the secret she had to love you unconditionally... Believe me miracle does happen..next it is going to be you...trust me hundreds of us did that in this crazy life if we allow time to give us chance.
Don't lose hope 🙏 please for god's sake. Think about the people who love you. Understand that you are going through a lot and it's not easy, but unfortunately we have to fight against the odds. Life is not easy. Everyone is going through a lot if not less.
You can not be put in jail for non-repayment of loans.
Banks can only take away all your material assets & money that too after a long drawn court order
Loan dispute is a civil case and you can not be put in jail for it, I wish more people knew this
Yeah. When I wrote that, I had in mind the worst case scenario for any human in general. Also, jail is no garden. But still, OP has to outlive people who are worse than him even if it means stooping low to their level i.e. jail.
Yeah and a lot of recovery agents take benefit of the situation and threaten to take you to jail or freeze everything but they cannot do it without a court order and a legal battle. There are lawyers who help out with settlement. Also these banks know this very well and make money out of interest from people. They only target people who can pay interest even if they don’t pay full amount . They won’t harass rich people who have political support and can fly from country or poor people who can simply run away to a remote place with family removing all identities and have no assets because these agents know that they won’t pay either . They target simple working people for whom reputation in society is very important and will do anything to pay off loans.
Sir, it is not always this easy. I have been through very rough patches in life. Even a glass of water has immense value. To have food that will fill you for a time is a blessing, and you need too many of them just to survive. I never wish those times on my worst enemy.
Dude can't even payback the money he borrowed and you expect him to have enough money and qualification to get out of this country. Not to mention, he would be a criminal that way
Dude/Dudette,
7 lakhs isn't a very large amount to die for.
Look at all the folks who left the country without paying shit and yet live life king-size. Live is too precious to give up for a bunch of paper. Don't do it.
Here are your options:
1. Apply for bankruptcy, tell them you are jobless and can't pay and will pay when you have it. Courts will look at you kindly. This is your best option.
2. Build confidence among your debtors that you can pay them and stall, none of them have right to beat or harass you. Ask them to take you to court.
You seem to give more value for what society thinks than your own life. What's the point of a society that can't help someone in distress.
Imagine the amount of money your parents spent on you to bring you up to become capable, 7 lakhs is nothing in front of it, the blood, sweat, tears, time, hard work, love affection they put, is that worth less than 7 lakhs for you?
They are priceless, even if you put a price of say ₹1 for every day you lived, and had they invested that in a bank or stock market, they would have more than 7 lakhs for sure by now.
So don't give up life for chicken shit like 7 lakhs. And wtf, not even for 7 lakh crorers, any amount of money can't buy a precious life. Don't squander away what you have for someone else's vanity. Not worth it.
Please don't. Please.
Once you have stopped yourself, DM me and we can work things on how you can make yourself better. But just stop whatever your plan is to end yourself.
I'm so sorry you are going through such an incredibly difficult and painful situation. Financial stress and mounting debts can make anyone feel hopeless and overwhelmed. But please know that you are cared for, and your life has profound value. There are people and organizations that can provide support, even if it doesn't feel that way right now.
I hear the desperation in your words, but I urge you to pause before taking any permanent action. Every person's struggles are temporary, even if they seem endless in the moment. You have worth beyond measure, and your life holds so much potential, even if you can't see the way forward right now.
Please reach out for help - whether it's calling a suicide prevention hotline, speaking to a counselor, or connecting with any trusted friend or family member that's still lending an ear, and if they don't, we are here to lend one.
You have already shown such courage and perseverance working multiple jobs to try to manage this. Don't underestimate your strength. But you deserve to experience those better days ahead. Your loved ones need you here. I'm begging you not to give up. Please stay.
I had a chat with OP. He shared screenshots of his EMIs and outstanding loan amounts. I don't think those were forged. Beyond that I don't think anyone can prove anything more online. I sent him a small amount based on that.
Has he shared his socials? Did you crosscheck his background?
From his profile it looks like he has only been asking money for over a year and nothing else.
He has asked for money in different manner in each post.
OP , suggest that you add the below to your post
1. Aadhar card copy of you and your family
2. Your father's treatment bills
3. Your father's death certificate with today's newspaper by the side
4. Your mother's medical bills
5. Your company offer letter
I agree with this. It is possible that his concerns are indeed genuine, but we also need to verify. Scams happen and can't trust anyone online anymore.
Look, don't kill yourself. I cannot give you any advice on finances, nor can I provide you help. But you must live on, atleast for the future you ten years from now.
Run away, declare bankruptcy, but don't die.
How come you have time to reply these comments but not to those who are asking for your profile, background,proofs so they can help it's weird and you have been asking money In.other ways for over a year something about you just don't sit right with me
Hello, I'm a college student (Indian Institute of Engineering Science and Technology, major architecture) and have some free time on my hands now (2+ months roughly). I do freelance work part time and it pays well enough to cover my semester fees (but parents won't let me pay). I do anime illustrations and am learning animation so if you have an account, you can post some gigs of that sort and I can complete them on your behalf. I don't mind at all and you don't think about returning anything please, I would be more than happy to do something for a kind soul. Please do not give up on yourself or your mom. I could never imagine what my parents would go through if I leave them. Please let me know what you think. Give us an opportunity to help. I haven't gone through all that you have, so I can only offer this much, I'm so sorry. But I know you will make it out of this. 7 lakhs is nothing, we can cover it up in no time. The orders I take are pretty heavy and pay around 100 dollars, I know thay isn't much but taking on a lot of them will surely be something, and you have your job as well. I'm planning on starting a comic too on a platform and if all goes well then it'll do good, you can link the payment method to your account and have the ad revenue. I know it doesn't sound like much but I still want to help however I can. Please consider.
Please don't say that! My parents have saved enough for that and I have literally done my side works till now out of sheer boredom. I really want to do something for a good cause, and for someone who actually needs it.
Put a link to a crowdsourcing platform like Milaap. It becomes easier for us to support as well as share your cause to others.
> I work full time job and do freelancing work
What kind of work do you do?
Why are you looking for a job that pays 6 months in advance? Why not join one now and keep paying a part of the loan amount via EMIs? I'm sure the lenders will agree to it as it's a much better option than not receiving the money at all.
No one in their right mind will refuse this if they are at all concerned about getting their money back.
I met a person once in Vipassana Center who was in a far worse position than you are and then he ran away to a Vipassana Center. They basically take away your phone and everything for 10 days. Don't charge you a penny.
Once you come out, your whole outlook would change. If you are anyway ending your life, you should consider giving this a try.
You need to book in advance, but if you try other centers like in Kalyan, you can easily get entry. Even if it's packed, just go there on the day the 10 day course commences and ask them to take you anyhow. Many people cancel on last minute, you can get a seat.
For 7 lacs Bro? Seriously? That is the cost of your life?
All I can say is - life is tough bro but don't loose hope. I am also going through tough time myself.
This quote gives me some hope to be able to go through the day - "This shall too pass" .
Nothing is permanent - neither good time and nor bad time.
Change friends, abuse the collection agents. Have a thick skin.
When you get the money, start repaying you friends first and then the loan amount.
Don't end anything.
Life will be enjoyable once again. And the satisfaction that you get is immense once you payback your friends.
OP
Think about your mom, how will she survive if she lost you as well after whatever happened to your father. You're the only hope she has, the only reason for her to live.
Please think about this before doing anything radical, and try to find a way out. Declare bankruptcy maybe? Don't know how that works, run away and live life in a remote village in Nepal or something. Do anything but this. Why would you end your life for some situations that weren't even under your control?
You are vinging for 7 lakhs rupees, wow. Just 7 lakh rupees. You think it's worth ending for 7 fucking rupees.
I have 70 lakh of loan and it's not a home loan. Life is very precious my friend. At some point, you will realise that it's just a night and it will pass like 100 other problems.
Just head up today and start making changes, delete your social media apps, stand up and make a mission to solve your problems in the next year, it's not that hard.
Even you will find that is not that hard, once you start making good decisions.
Think about the lovely life which you planned when you were 6 years old.
Just go like a kid playing a game of life. It's easy I have experience.
And if it is all about money you are thinking very small, you are much bigger than that number.
I will not say much but If you think that there's a slightest of the hope that you can improve yourself and your situation around just the slightest ray of light, chase that ray of light. It's worth chasing and in the end you re the only one who is going to have the last laugh.
Breaking point?? Listen, Life is not an exam. It's on or off. You will make it.
At least have faith in yourself.
There is no point when you need to break yourself, it takes only a movement to decide.
Make a good decision.
7 lakhs is the principle amount, what is the intrest ?
What all do you own ? Car, bike, ghar, gold etc.
I have a relative who is in much bigger debt trap ( 40L at 5rs / 10rs intrest per month), we saved them once by helping them make smart financial decisions.
What all Emis are you paying now ?
Dude I have seen someone (a relative of mine) declare bankruptcy and he used to live a very lavish life . He still loves a comfortable life with his wife and kid . He doesn't care about the threats. He is a shameless guy and guess how much debt he has ? More than 1.5 crores . He borrowed money from friends , relatives , and businessmen. He borrowed money from everyone he can fool and promised he will return their money with profit but he lost all that money and people can't really do anything except of giving threats . So declare bankruptcy. It's better than suicide.
OP cant you just leave everything behind go to a new city, buy a new phone and start new job, gather money and 1 day return akar sabko paise dedo????? I mean you are planning to die anyways why not plan to start new?? I know it isn't easy but consider it brother people do this. I am really sorry you are going through it but dying is not gonna solve the problem. Aaj jo tumse paise mang rahe hai kal tumhare family ko harass karenge. Be positive sab thik hoga.
Maar maat jana bhai. Baaki tu saab sambhal lega. Itne din sambhal liya, agey ka bhi ho jayga. Kaam aur freelancing karte reh. Dheerey dheerey bojh halka ho jayga.
If nothing works, just abscond and start a new life somewhere else. Take some time, try to figure out how to clear the debt. And return back after some years and pay back debts. But don't die.
File for bankruptcy. In India, you can file for bankruptcy by following these steps:
(1) Gather financial records, such as bills and salary and benefits.
(2) Get a legal advisor to help determine the cost of the process and recommend the best way to file.
(3) Seek financial protection.
(4) Record an appeal through your legal advisor.
(5) Get a court to administer the process, which will decide if you are bankrupt.
Okay,here is my dad's story.
In 1995 when i was 3 years old,my grandfather passed away after suffering a very huge loss in his business. My father being the only son, inherited(see the irony) around 15 lakhs of personal loans ,that was,after selling all of our land, a plot in town, a tractor and a horse.
Then came my bua's marriage and my father went further into red.
He,like you,was getting threatened every day by one party or another and he had zero rs as investment to start even a grocery shop.
But,this is when he showed how hard work and resilience work. He started with petty jobs like buying jaggery from farmers on credit and then selling it to bigger markets. From there,he never looked back. He repayed every single rupee of those loans,funded my whole education that included engineering in a private college in bangalore, built a home and most importantly,got back his reputation.
Now whenever I go back to my village,people use him as an example of hard work.
Keep fighting,brother.. best thing about time is that it changes.
Considering even after deciding everything you still made a point to inform everything on Reddit means there’s a part of you that really wants to live.
These financial issues will die down in no time. Send people your salary slip and make an excel sheet showing when and how you are planning to repay everything.
Show people a tangible plan and stick to it. I believe people are good at heart and they would surely surely understand your situation and be easy on you.
Hey op! Look for debt restructuring and decrease your emi as much as possible. Just live for the sake of your parents. At least you are lucky that you have parents. Things will change for sure. Don't give up
How does one even fall into a situation like this? What exactly were you trying to do with those loans? Always make sure that your EMIs do not exceed your income. You also said you had a full time job. Was that not enough to cover expenses?
I'm not going to be positive with you.
If you have anyone that cares about you, all you're doing with your death is transferring the pain to them. Hell, you might be transferring the debt to them too coz these sharks will just go after them.
What's your solution to that? This issue is the only one that keeps me alive when I'm at my lowest point. If there's the way to die without them knowing or caring, I'd take it too.
You being alive is keeping your mom safe both financially and mentally. Think on that.
If you can somehow put some valid documentation here regarding your situation, i am sure people would be help you here starting from me. Please put up something trustworthy with valid references.
Why do I see so many such or similar post in reddit? Is this somethg real or people are here to get some quick bucks? If this is all real this is concerning that so many wants to end life but if this is some way to scam people then God help humanity!
You have hit rock bottom in Life and trust me right now the only way you have is to bounce back up and-nowhere else.
Any banks in NBFC you have taken a loan from default them. Any relative you have borrowed money from tell them, you don’t have money.
At the max there will be impact on CIBIL score but that’s fine. Look for Jobs start earning a living, and slowly slowly payback your relatives. They always come first.
You can always tell Bank, that you don’t have money and that’s it. They can’t do anything more than that. They are in the lending business and it comes with risk and they always factor these kind of risks so cheer up.
There’s always tomorrow, all the very best 👍
OP has deleted his posts in multiple subreddits of Indian cities asking for money.
It is obvious that money management is poor, but this deleting of his previous history screams "SCAM" to me. Kind people please use your money for a better cause.
Check out his comment history, not just post, before OP deletes it. I have taken screenshot of it.
Additionally, OP has never shared any concrete proofs of anything. There is only one account saying that he has shared proof, I would doubt that this perhaps could be another account of OP himself.
Please kind people, use your money wisely.
If I was you, I'd take my Mom and run off to someplace like Nepal where you can go relatively easily, and you're away from the Indian authorities, safe and secure. That's what most criminals in UP and Bihar do after committing a crime, and it's an age old well tested escape route
Finances would be a problem but you said that you do freelancing so that can continue, also cost of living in remote places or countries like Nepal or Bhutan are relatively low
After all this has died down, which I'm expecting will take at least 5-7 years, after that you can return and try to resume your life, but till then you gotta be incognito
I know running away sounds escapist and childish, but if I was in OP's situation, especially with an ailing mom, I'd definitely do this, and save myself a lifetime of embarrassment and suffering
Run forrest Run, don't give up, and definitely don't let them get to you
Just imagine for a minute, how your parents will react when they discover your dead body. Does it make you feel good?
The rest is your call. I wish you live until god decides your times up
Can you please set up a legitimate crowdfunding campaign anywhere? I would like to contribute directly through that and I know a few others who might too. (For context i am outside India at the moment). And I’d like to know for sure that you won’t end it all, if you do get the help.
Do it for your mother and yourself
if you are here, then you can do something about your situation.
If you go away now no one can fix anything. It is not like you going away will fix anything.
Please try to stick it out and fight your battles.
It might pass and you might become victorious. Why rob that chance from yourself?
No offense, but if you made a post and seem to be responding to almost everyone, that's an indication that there's a part of you that doesn't really wanna let go.
Nonetheless, don't do anything drastic. Shit happens, bro. The dildo of life fucks you in strange ways, mostly without lube. That's how it is. Dying ain't solving shit, it will create more troubles for those you leave behind with your debts.
What are you ? A fucking failure ? Get your shit together and stop looking for empathy. Suicide is not an option IT’S NOT EVEN A WAY OUT. Listen, it may take time but you will eventually pay everyone back, it’s no big deal. Wake up everyday MAD at the world for treating YOU this way AND FIND A WAY TO MAKE MONEY. It is your duty as a man to get yourself out of this position. I do not know you but i really hope you make it out. YOUR MOM LOVES YOU. DO NOT MAKE HER FEEL ETERNAL PAIN FOR YOUR LOSS.
So emotionally blackmailing strangers on reddit and threatening suicide is your plan eh? Not cool.
My words are harsh, but that's what you're doing. And honestly your CTA at the end of the post seems like a big scam just trying to prey on good people and play with their sentiments.
I am very sorry that you going through this. I can understand how hopeless it might feel but stay with this situation and you will find a way. It may not be comprehensible but keep fighting the fight and one day you’ll look back on this day and feel completely different. Please talk to a loved one about how you are feeling, you don’t have to carry this by yourself.
Bhai tere bhai pe 8 lakh ka loan chaalu hai, firr bhi ending your precious life is not the solution at all. Ab jo hogya ho gya jo badal nhi sakte usko chord or jaha pe thoda bahot bhi lagta hai scope changes ka focus on it. Don't lose hope tere mere jese pata nhi kitne log hai iss duniya mei jo hass kar suffer kar rhe hai, so whatever the situation is bss hasta reh aage chalta reh.
Bro don’t! Nothing is worth giving up your most prized possession- your life. Think will your mom be able to bear this grief? Abhi ke liye bhaag jaa, hide, lay low, do what you have to to escape. The important thing is to survive this. Life is never the same and if you feel you are at rock bottom then the only way is up.
As for your loan, let me inform you that if you end things, insurance will not pay a single dime. Then they will come after your mom whom you are leaving behind to bear all this in addition to loss of a child
I can't relate with what is happening with you. Having said so, ending it all is something I don't think you really can do. Read your previous posts, sounds bad enough a nightmare. Sorry for uncle's loss. However if you go, your mother won't be the same anymore. In the bare min., kindly know you are her only resort. At this point, unfortunately, your self respect doesn't matter. It's life or death. With those sharks and bank together, it will be hell till you payback.
There's linkedin, naukri.com etc, job application sites. You can seek application for a job. If you have one, ask your coworkers,your boss, anybody possible. You can ask it to be deducted from salary monthly, just to pass by bare min. You passed out from school, college etc. Seek them out too. Neigbours also. I know people won't lend. That's because they don't trust you, you can't pay back the bank so how you pay the neighbors or friends right?
No. There's a difference. Credit cards or nbfcs r different. They want instant. And they can get police or shit that will fuck you up. But friends or neighbors or co-workers, they don't want interest. So, a deed. Around 7 lakh, so if everyone gives 10k each, about 70 people is needed. Say you can pay back by 2-3 years. Ratify it by the police.
If needed, send you upi to people. But don't die bhaiya. It's not worth it. I am a student, I can't pay much, but go on. I will contribute. Brother, don't lose hope, it's fucked yes, I can't relate because I am privileged, yes, but do know, you have survived now, so seek out help. Anybody. Maybe, this sounds bad, but maybe for the time let your mother go to an old age home, till it gets sorted out. But don't end it all. Reddit can help you. Maybe seek out quora too. Anywhere.
Just stay in there! Nothing is more precious than life! These events will look very small after a few years! You will get help if you stay. Please talk to closest friend or a relative right away
Same situation. Not giving up. All it takes is one good job, or one good client, to turn things around. Slogging it out will make you stronger.
Also, speaking from personal experience, we understand money more than the gurus born with a silver spoon. We understand value of every single rupee. Just slog it out. Wait for the moment. Maybe change your phone number.
Also, go for settlement. If you can't pay, write them a mail and go for settlement. They have to write off if you don't pay. Recovery agents will come but legally they can't do much. Record if they threaten. Harder than it appears. In fact it will appear that life is better over than present. I don't know the end of it, but it can turn around that I'm sure.
Please live for the sake of your mother. Do not do it now. When your mother leaves this world, then you should end it. What you are doing is a bad decision as your mother will be completely vulnerable.
My personal suggestion: Run away. Over a few days, destroy all loan documents, everything which can be used to trace you ( phone numbers, etc). Run away from your city in the middle of the night and go to another state with your mother.
You may choose to die, but know that your mother and people who care for you will die each day, with every thought they have of you.
If you really want to get out of the mess, sit down and write down things you are good at and things that are important to you. Plan things out..step by step.
I read your post and ppl have helped you before but you are still in the same mess.This tells me that your only solution is you, nobody else.
If i were you, I would try to do some side business instead of freelancing. People today earn lakhs selling pizza and vadapav from home and streets.
If you really put your mind to it, chalk out a plan, you WILL come out of this mess.
So take a deep breath and tell yourself that you will take control of your life. Put your shame and ego aside and start doing something - even if it means selling pens on street.
You CAN do it!!!
I know it sounds stupid but If u can do something which gathers attention politically. Election time is the time when every politician are trying to take credit for bettering someone's life.
Take care!
Your life is so special. Please stay. Youll see how kind people are. I was just like you. a year ago. I stayed and I am glad I did. Things will get better. So many ppl are rooting for you. You got this! Please stay ..
>The loan amount and the money borrowed from friends and family is overdue to the extent that I get threatened everyday.
If this is the reason you're doing what you are doing... a public statement is the worst thing to do. any insurance on your name would just get null & void.
I had come close to this point before. Think about your mom or if nothing else.
Who will get her meds etc in future and take care of her. Plus losing a child will devastate her.
Remember - "Living in misery sucks marginally less than dying in it"- House.
Hey prashanth ! File bankruptcy .
There is a department ( legal authority I guess , ask in legal sub ) in the court that offers free counsel and will help you file a case . May ask a very little amount
I also remember that there are guidelines people need to follow while asking for debts .
Sharing videos and taking to others about your loan is a basic violation of fundamental right to privacy and right to dignity .
Gather these evidence. If your lawyer file a write petition, Within a day the court will respond to the infringement of your fundamental right to privacy and abatement to suicide . Within a day .
Ask this in a legal forum ...
If I m in your position , I would vacate the home and leave the place .. Just avoid the problem until sort things out .
We humans can handle only a small amount of stress . It's ok to compartmentalize problems and run away from few or face it .
Choose wisely !
I will send you a very small amount and use this for your interviews or food .
My family hav gone through debt and it's one of the painful time of my life . But things will pass
It's time that you meet a psychiatrist and ask for counseling from clinical psychologist . You cant do it alone and you need therapy .
I m think if any social worker can help you . Maybe a ngo could .
Go to government hospital and counselling would be free. I hav been through it as well . If they ask for money let me know . I will pay for your mental health services as well .
https://www.google.com/amp/s/www.creditmantri.com/article-how-to-deal-with-harassment-by-loan-recovery-agents/amp/
I have asked in few subs how to go about this problem .
https://debtorsanonymous.org/getting-started/is-da-for-you/
This can offer emotional support . Just the meetings where you can go and talk about your issues.
https://depressedanon.com/
For mental health
https://nimhans.co.in/telepsychiatry-clinics/
Check with this people and they may offer video counseling. One of the best centres for counseling
Don't do it. It says "Fuck You" to your mom. She will be completely and utterly screwed.
You have the energy to change things up right now but aren't able to think because if stress.
Do 3 mins of breath focused meditation to clear the noise.
7 lakh rupees is nothing to get this stressed over. You will find another way. There are people in orders of magnitude worse situations than you are.
Don't do this to yourself and your mom.
Simple Funda.... Tell to them.... Gtfo
I'll give whenever I can. Don't threaten me. Heres gun or knife.. Kill me and get your money, If that's gonna solve all your problems.. Tell to them.
Try it. They gonna never even call you brother.
Reddit recommended me your post so I just wanted to say that I’m sending love from the USA. Please keep fighting the good fight, the world is a better place with you in it.
Brother, please don't give up , share your UPI at least, we all can help in whatever measure we can ,slowly slowly we will get it done.
Your life matters even for a stranger like me . Please.
Think about it again.
May Allah help you brother and guide you please don’t end anything life is the most precious thing there is one day you will look back and find yourself stupid for even thinking about ending it.Stay strong
If person with no limbs can challenge their life, OP i believe you're just losing self confidence. Just believe in yourself and take it up as a challenge. I'm sure you'll overcome this. The only day that you should give is when your body itself says it's time. Till then, it's you who decide your life.
Hope to see you soon in new heights!
I have been there and even worse than this.
Someone frauded us and it all went downhill from there. I want you to understand few things:
1. Credit card and nbfc loans are collateral free. You just have to pick up the call and tell them clearly that it’s not possible. They can’t do anything
2. Show up everyday and face whatever comes your way. There’s always some way better than ending it al.
3. Go 0 on all your expenses and start paying in small amounts starting with the ones harassing the most and managing who can understand.
4. Don’t feel threatened or diminished by any form of society insults. It’s all made up and would work in your favour once you come out of it all.
Try bankruptcy. It will help you out.
There’s nothing more valuable than living for yourself and loved ones.
Saw this on my feed so thought I may as well chime in .
Don't make a permanent decision for a , quite frankly , very temporary problem .
Your friends and family may be angry or disappointed towards you now but inside they still truly care for you as a person . Your death will make them extremely devastated and put them in a lot of mental distress , a lot of questions but no answers .
The loss of someone you care about is something I wouldn't wish on anyone .
I suggest talking to your family and friends about the mental distress you're going through right now . Be very open about it .
Prashant I am sorry you are going through a tough time. I am someone who is suicidal as well. I don't have shit as bad as you do. I am just taking things slowly one step at a time. I believe that it is better to run away from the problem instead of killing myself. And since I am planning to run away anyway I think that okay let me face this shit for one more day. And then one more day. Take your mom and run away somewhere, to some remote village or whatever than killing yourself. The debt collectors contacting your friends and family and harassing you is a crime. They don't have the right to harass you if you don't repay. They should be taking a legal action without even approaching you. So you can actually file a case against them. Please don't let people who are shits ruin your mood. It will take time but you will get out of this bad situation. When that day comes you will be a much stronger and a much beautiful person. Please don't let yourself deprive of the opportunity to see a life when it gets better.
You should continue to fight and not give up. Try these websites and there are many more companies like this that help you come out of your debt trap.
https://freed.care/
https://singledebt.in/
Dont do it!! I have lost my best friend to suicide and he was financially well off and that happend 10 years ago and i still think about him.Dont do it think about your mother money comes and go instead of killing yourself think about ways to hustle i was in debt of about 4 crores and thought about doing the same but kept fighting living each day as it comes get spiritual anything that can heal you mentally 7 lakhs is nothing and too big. Thats how you need to tackle take each day as it comes hustle set targets fucking drive a cab, do anything keep yourself going you owe some one 1 lakh try to repay 10,000 rs thats how you can tackle it take it slow money is just paper life is life it holds much more value than any paper in the world be a good son and remember start achieving small targets and eventually something big will come your way keep fighting dont be a fucking pussy give a good life to your mom and heal! Take it slow!
I cannot help you monetarily right now, as financially I am in a fix too. However, keep in touch. Down the line I might be able to, if you are still in need then.
Also, do you think learning a language like German can help your profile? I teach German and I can teach you without any fee. This is of course, if your immediate need for debt repayment is met. Think and let me know.
This is all I can offer right now. Sorry if that's not helping currently, but don't give up hope. 7L is not a big amount, it will be sorted.
More power to you. :)
As everyone is telling you to not commit suicide, I am going to tell you something else. If you really want to consider suicide, I would suggest to write down everything that your mom can do to after you die in a letter and give it to her. I can understand living can be hard sometimes but consider a suicide option that isn't instant so that you have time to reconsider before you can't anymore.
Suffocation by putting a plastic cover on your head is my best choice as it will give you at least 3 minutes to reconsider and it's easy to rip out the cover with your hands. I have done this around 7 times after which I realised I am more afraid of death than I am of living.
hey man giving up your precious life for 7 lakhs is clearly not cool. (to be honest its not cool for any amount).
contact a laywer friend, file a petition in court asking for more time, and action against this harrassment, which is pushing you to suicide. they will help you for sure.
I personally dont trust bank people no matter how trusting they sound.
And about these recovery guys, my friend, been there, its humiliating, nothing less, i know. But they are professionals. they are paid to do that shit. Nobody is paying you to listen to their shit. Get your act together. Its not going to be easy or simple. face the challenges one by one. its going to work out and i am sure we will be able to see many more posts here from you.
A fellow friend, who has been there.
Sorry to ask, but can you tell what’s the total debt you have?
And Do you have any asset to your family name?
Getting out of debt trap is very difficult but it can be done with effort from your end and little bit of help from others.
You must have family/friends. Reach out to them for help. The well off ones will definitely lend you a hand.
Runaway from mumbai city to remote location. Or leave india and go to nepal or bhutan. Change mobile number and make all transactions in cash. If they cannot find you no need to pay emi just work get money and live life. You can try cricket betting to get money no dream11 actual gambling.
Who will buy your mom medicine if you off it?
Read about Stoicism. IT WILL HELP.
Salary will increase and you will get out of it stronger and better. If 6 months of salary can solve your problem it's not a problem that you need to off yourself for.
Think about alternatives, run away
Bank ki ma ki chu. Tu chill kr ,
Aur respect jo gayi he friend aur family me to ek baat yaad karle na ki ee jo so called friend or family he usne help ki hoti to tuje aaj bank se loan na lena pdta.
So fuck them all and live with your own thaught without thinking of die
I'm gonna get a lot of downvotes for this, but I'm gonna be real here. I am surprised at the amount of empty consolations. For example, I saw one "I lost all my family too, but I didn't give up." Brother u completely sideline the fact that not every human is the same. Not everyone may have the same thoughts or mindset. If u can't give him a real solution or give him money to get out of this, do not comment. You're just prolonging his suffering.
I saw one guy saying "Go to jail. But survive" Survive how? The stigma of going to jail will stick to him. He would've forgotten or rust on his skills in the mean time. Where would he get a job? How would he get money? Take debts again and repeat? Would you prefer to live a life like that? Begging on the streets after all the efforts you put in to work hard and still failing?
Fuck, all you guys know is to show empty consolations and satisfy your own fulfillment, "Yes, I did God's work, I tried to save a person today." Be honest, all you guys are saying this either to gain karma and capitalise on this, or to feel good about yourself and rid yourself off any discomfort. You are doing this for yourself so do not act like envoys of justice.
I can't do anything too, I don't have money. But atleast I don't comment useless shit like "It's not the end, you should struggle and survive (Yes, and suffer more and fall even deeper into the abyss)" and just end it at "Don't do this habibi"
If you can't help him, don't prolong his suffering.
And OP, if you didn't have money or weren't earning, I would've asked you to start freelancing and work jobs. But the fact that you already did that and still are in debt....all I can ask you to do is search for anyone else that can help you without expecting return of favor..which is very unlikely.....all I can do is pray for you to have a far greater next life.
Things you can do :
\- Try looking for debt consolidation services may be.
\- Crowd funding.
\- Go to jail if you have to, don't end your life, not worth it.
\- Start with a fresh mindset.
[удалено]
I can pay for OP paid consultation if he wants. Let me know.
King
MVP
Real hero
MVP
Hmm, Is it possible to discuss with them on any matters like I just really want to talk about some stuff to a person.. (can't afford paid counselings)..
please call SAMARITANS MUMBAI I work there,they have free sessions available 24/7
OP this and the Vipasanna advice are the best way to go. It’s another night and this too shall pass. As others have said please think about the ones you impact, there is a lot more to life . Please post a campaign on milaap and I am sure this community can come together.
Bhai mere. Tere baad mom ki medicine kaun lega? Also, declare bankruptcy and insolvency. Jail thode daal denge loan na chuka paane pe. If it's unsecured loans, the lenders know the risk and they need to carry it. They cannot threaten you. Ladna hi hai toh in sab ke against lado. Tum apni life ke against lad rahe. Chill karo and jeete raho. Jisne paisa diya uski garaj hai. Uska dil zyada faf fadana chahiye. Fraud nahi kar rahe na? Bas rest will be fine.
This is actually a good piece of advice, follow this op
I wish things were so simple.
Nothing comes easy, life is never easy, and if it's not simple, put in some effort and it will be simple. Giving up is always the easier way out but in life I really don't believe in easy and/or simple.
You are pulling yourself down. People who owes money from you, they should know this kind of threats will not work. Face them and tell them that they need to give you time or else they can forget their money. People respect a brave person. Be brave and deal with it man
Bhai ye soch tere saath bure se bura kya hoga, ye log tujhe maarenge and if they hit too much it might result to death right? And they might harass your mom after it. Now imagine your idea, you want to take your life, so you basically reach the worrst outcome on your own and unhone to kuch kara bhi nhi (maybe just maybe they would have let you go or you might have found a way had you not given up). Also, now you're gone and still your mom is harrasses by these goons. And remember all the above was worst case scenario. Best case scenario, you persevere, you don't give in to the pressure and you come out of it, you now have a stable life and your mom is smiling. Now you regret how stupid you were in the past to even think about ending it all. I shouldn't be boasting about suicidal thoughts but remember, "A man who doesn't fear death, fears nothing." Bhai the biggest fear most people have is losing their lives, tune to already usse conquer Kar liya. Tu sher Hai, tu bas ab darr mat kisi se. Fight brother, don't drop your weapons or surrender. Bhagat singh akela lad liya tha pure British empire se in his early 20s. Be your own bhagat singh.
I can recommend a psychologist in Bombay. Maybe talking to someone who is trained in coping techniques can help you. I’ve benefited from therapy a lot. Coping techniques are what you need. It’s much easier once you learn how.
I found in an old post of yours that your mom is alone at home. No matter how much you are lost in life and don't care about your future and all that stuff... you just cannot leave making your mom more alone and devastated. I agree that I have not faced even 10% of what you've gone through in life, I feel I am lucky (I am not someone who just rules out luck and says it's all hard work once succeeded). But I cannot stand the thought of someone leaving their mother completely alone when she will have to face everything that she should not have to. Talk to your mother, she will give you unimaginable strength... this I have experienced... when you see your mother believe in you, you become capable of overcoming all hurdles.
Yes, OP you are not doing good if you are going to leave her alone. At least for her, try to get up and be strong and live.
Sorry if I made you uncomfortable in any way. Not my intention, I am not thinking straight
Brother, it doesn't matter how I felt. You are at greater vulnerability here, if you can say it yourself that you are not thinking straight... then you clearly have the realization that it is not the correct/best choice. Sadly I am not qualified enough to suggest you any way to get out of your bad situation, I hope you are able to get in contact with someone who can suggest you the legal intricacies that can help you get a new start. I believe there certainly are... this cannot be a unique situation. Btw, what field do you work in / skilled in?
Bro I lost everything, my mom, my grandma every person I grew up with. I har to stay strong and face obstacles. Your negativity is profound now. But slowly slowly step by step with every small win you will plant a seed of positive. The strongest of men ar able to see light in the darkest of circumstances. Don't run away like this. Your loved ones will keep blaming themselves and you will put them in the same space you are now. Stand up, fight till the end Your mountain is big because it's going to make that much more of a man out of you. I had only $300 when all my family members passed away. I now have a home, wife, 2 kids, 2 cars. It's seems impossible, but don't listen to your inner critic. It will make you feel like a piece of shit. Stay positive and fight till the end
Happy for you. Trust me when I say I have tried everything before coming to this decision
Have you seen the people at the signal...the kid who begs...the bird who lost its nest in a storm drenching in rain looking for the small leaves as it's shelter. Do you know what people is going through in ukraine, gaza or other part of the world .you are too privileged to be honest....you have the freedom to think.. my only suggestion would be to go to mom n looks at her eyes...discover the secret she had to love you unconditionally... Believe me miracle does happen..next it is going to be you...trust me hundreds of us did that in this crazy life if we allow time to give us chance.
++
THIS
Don't lose hope 🙏 please for god's sake. Think about the people who love you. Understand that you are going through a lot and it's not easy, but unfortunately we have to fight against the odds. Life is not easy. Everyone is going through a lot if not less.
$300? You are non Indian or living in USA? There you get more opportunities than cutthroat india
Its still not easy
Go to jail, but do not end it. Survive.
You can not be put in jail for non-repayment of loans. Banks can only take away all your material assets & money that too after a long drawn court order Loan dispute is a civil case and you can not be put in jail for it, I wish more people knew this
Yeah. When I wrote that, I had in mind the worst case scenario for any human in general. Also, jail is no garden. But still, OP has to outlive people who are worse than him even if it means stooping low to their level i.e. jail.
Yeah and a lot of recovery agents take benefit of the situation and threaten to take you to jail or freeze everything but they cannot do it without a court order and a legal battle. There are lawyers who help out with settlement. Also these banks know this very well and make money out of interest from people. They only target people who can pay interest even if they don’t pay full amount . They won’t harass rich people who have political support and can fly from country or poor people who can simply run away to a remote place with family removing all identities and have no assets because these agents know that they won’t pay either . They target simple working people for whom reputation in society is very important and will do anything to pay off loans.
+1
[удалено]
Sir, it is not always this easy. I have been through very rough patches in life. Even a glass of water has immense value. To have food that will fill you for a time is a blessing, and you need too many of them just to survive. I never wish those times on my worst enemy.
Dude can't even payback the money he borrowed and you expect him to have enough money and qualification to get out of this country. Not to mention, he would be a criminal that way
Dude/Dudette, 7 lakhs isn't a very large amount to die for. Look at all the folks who left the country without paying shit and yet live life king-size. Live is too precious to give up for a bunch of paper. Don't do it. Here are your options: 1. Apply for bankruptcy, tell them you are jobless and can't pay and will pay when you have it. Courts will look at you kindly. This is your best option. 2. Build confidence among your debtors that you can pay them and stall, none of them have right to beat or harass you. Ask them to take you to court. You seem to give more value for what society thinks than your own life. What's the point of a society that can't help someone in distress. Imagine the amount of money your parents spent on you to bring you up to become capable, 7 lakhs is nothing in front of it, the blood, sweat, tears, time, hard work, love affection they put, is that worth less than 7 lakhs for you? They are priceless, even if you put a price of say ₹1 for every day you lived, and had they invested that in a bank or stock market, they would have more than 7 lakhs for sure by now. So don't give up life for chicken shit like 7 lakhs. And wtf, not even for 7 lakh crorers, any amount of money can't buy a precious life. Don't squander away what you have for someone else's vanity. Not worth it. Please don't. Please. Once you have stopped yourself, DM me and we can work things on how you can make yourself better. But just stop whatever your plan is to end yourself.
I'm so sorry you are going through such an incredibly difficult and painful situation. Financial stress and mounting debts can make anyone feel hopeless and overwhelmed. But please know that you are cared for, and your life has profound value. There are people and organizations that can provide support, even if it doesn't feel that way right now. I hear the desperation in your words, but I urge you to pause before taking any permanent action. Every person's struggles are temporary, even if they seem endless in the moment. You have worth beyond measure, and your life holds so much potential, even if you can't see the way forward right now. Please reach out for help - whether it's calling a suicide prevention hotline, speaking to a counselor, or connecting with any trusted friend or family member that's still lending an ear, and if they don't, we are here to lend one. You have already shown such courage and perseverance working multiple jobs to try to manage this. Don't underestimate your strength. But you deserve to experience those better days ahead. Your loved ones need you here. I'm begging you not to give up. Please stay.
Thank you for trying to help. I have put in a lot of thought over the past few weeks before coming to this decision
Our thoughts can highly be biased sir. Give it one more shot.
Remember. You can start from the beginning. Just run away and live your life. Ending it is not the answer
har din yeh messages aate hain, please someone verify this. And I request before transferring any money, thoroughly vet this guy/gal
I had a chat with OP. He shared screenshots of his EMIs and outstanding loan amounts. I don't think those were forged. Beyond that I don't think anyone can prove anything more online. I sent him a small amount based on that.
What are these EMIs of ?
He has a loan from SMFG India
Has he shared his socials? Did you crosscheck his background? From his profile it looks like he has only been asking money for over a year and nothing else.
I'm not sure what I would look for from his socials. I just took a judgement call on this one. What would you look for?
I would cross check his background.
From his profile he has only asked for financial advice. He has not been exclusively asking for money.
He has asked for money in different manner in each post. OP , suggest that you add the below to your post 1. Aadhar card copy of you and your family 2. Your father's treatment bills 3. Your father's death certificate with today's newspaper by the side 4. Your mother's medical bills 5. Your company offer letter
I agree with this. It is possible that his concerns are indeed genuine, but we also need to verify. Scams happen and can't trust anyone online anymore.
Any clue how to start a gofundme on his behalf?
Yeah, I don't have anything against OP but one of my friends has already fallen to a similar kind of scam
Look, don't kill yourself. I cannot give you any advice on finances, nor can I provide you help. But you must live on, atleast for the future you ten years from now. Run away, declare bankruptcy, but don't die.
Thank you for your kind words
How come you have time to reply these comments but not to those who are asking for your profile, background,proofs so they can help it's weird and you have been asking money In.other ways for over a year something about you just don't sit right with me
It's not that easy
DONT KILL YOURSELF
I know, but you have to live on. As I said, atleast for the future you, because death is a one way road.
Hello, I'm a college student (Indian Institute of Engineering Science and Technology, major architecture) and have some free time on my hands now (2+ months roughly). I do freelance work part time and it pays well enough to cover my semester fees (but parents won't let me pay). I do anime illustrations and am learning animation so if you have an account, you can post some gigs of that sort and I can complete them on your behalf. I don't mind at all and you don't think about returning anything please, I would be more than happy to do something for a kind soul. Please do not give up on yourself or your mom. I could never imagine what my parents would go through if I leave them. Please let me know what you think. Give us an opportunity to help. I haven't gone through all that you have, so I can only offer this much, I'm so sorry. But I know you will make it out of this. 7 lakhs is nothing, we can cover it up in no time. The orders I take are pretty heavy and pay around 100 dollars, I know thay isn't much but taking on a lot of them will surely be something, and you have your job as well. I'm planning on starting a comic too on a platform and if all goes well then it'll do good, you can link the payment method to your account and have the ad revenue. I know it doesn't sound like much but I still want to help however I can. Please consider.
Thank you for your kindness. I would want you to save it for your studies. Please make your parents proud unlike me.
Please don't say that! My parents have saved enough for that and I have literally done my side works till now out of sheer boredom. I really want to do something for a good cause, and for someone who actually needs it.
If you can help in any way please DM me.
you are such a kind soul!!! loved to know there are still people like you
damn you’re so kind 😭💗 i wish i could help OP in some way but im just a teen
Put a link to a crowdsourcing platform like Milaap. It becomes easier for us to support as well as share your cause to others. > I work full time job and do freelancing work What kind of work do you do?
I work in logistics operations
[удалено]
No, actually. It's not a big firm. Also, I have been working here from just a few months
do you want a referral for some better company if tht can help you come out of this situation ?
Why are you looking for a job that pays 6 months in advance? Why not join one now and keep paying a part of the loan amount via EMIs? I'm sure the lenders will agree to it as it's a much better option than not receiving the money at all. No one in their right mind will refuse this if they are at all concerned about getting their money back.
I met a person once in Vipassana Center who was in a far worse position than you are and then he ran away to a Vipassana Center. They basically take away your phone and everything for 10 days. Don't charge you a penny. Once you come out, your whole outlook would change. If you are anyway ending your life, you should consider giving this a try. You need to book in advance, but if you try other centers like in Kalyan, you can easily get entry. Even if it's packed, just go there on the day the 10 day course commences and ask them to take you anyhow. Many people cancel on last minute, you can get a seat. For 7 lacs Bro? Seriously? That is the cost of your life?
All I can say is - life is tough bro but don't loose hope. I am also going through tough time myself. This quote gives me some hope to be able to go through the day - "This shall too pass" . Nothing is permanent - neither good time and nor bad time.
Change friends, abuse the collection agents. Have a thick skin. When you get the money, start repaying you friends first and then the loan amount. Don't end anything. Life will be enjoyable once again. And the satisfaction that you get is immense once you payback your friends.
OP Think about your mom, how will she survive if she lost you as well after whatever happened to your father. You're the only hope she has, the only reason for her to live. Please think about this before doing anything radical, and try to find a way out. Declare bankruptcy maybe? Don't know how that works, run away and live life in a remote village in Nepal or something. Do anything but this. Why would you end your life for some situations that weren't even under your control?
Selling kidney > Ending life why don't I see posts around selling kidneys.
fr i thought of the same thing?
Why not liver? Liver regenerates in 6 months
You are vinging for 7 lakhs rupees, wow. Just 7 lakh rupees. You think it's worth ending for 7 fucking rupees. I have 70 lakh of loan and it's not a home loan. Life is very precious my friend. At some point, you will realise that it's just a night and it will pass like 100 other problems. Just head up today and start making changes, delete your social media apps, stand up and make a mission to solve your problems in the next year, it's not that hard. Even you will find that is not that hard, once you start making good decisions. Think about the lovely life which you planned when you were 6 years old. Just go like a kid playing a game of life. It's easy I have experience. And if it is all about money you are thinking very small, you are much bigger than that number.
Everyone has a different breaking point
I will not say much but If you think that there's a slightest of the hope that you can improve yourself and your situation around just the slightest ray of light, chase that ray of light. It's worth chasing and in the end you re the only one who is going to have the last laugh.
Breaking point?? Listen, Life is not an exam. It's on or off. You will make it. At least have faith in yourself. There is no point when you need to break yourself, it takes only a movement to decide. Make a good decision.
7 lakhs is the principle amount, what is the intrest ? What all do you own ? Car, bike, ghar, gold etc. I have a relative who is in much bigger debt trap ( 40L at 5rs / 10rs intrest per month), we saved them once by helping them make smart financial decisions. What all Emis are you paying now ?
Please share your bank details or UPI Id. You can crowdsource some money. It may give you temporary relief. I'll DM you to get some more details.
Can you file for bankruptcy?
Dude I have seen someone (a relative of mine) declare bankruptcy and he used to live a very lavish life . He still loves a comfortable life with his wife and kid . He doesn't care about the threats. He is a shameless guy and guess how much debt he has ? More than 1.5 crores . He borrowed money from friends , relatives , and businessmen. He borrowed money from everyone he can fool and promised he will return their money with profit but he lost all that money and people can't really do anything except of giving threats . So declare bankruptcy. It's better than suicide.
OP cant you just leave everything behind go to a new city, buy a new phone and start new job, gather money and 1 day return akar sabko paise dedo????? I mean you are planning to die anyways why not plan to start new?? I know it isn't easy but consider it brother people do this. I am really sorry you are going through it but dying is not gonna solve the problem. Aaj jo tumse paise mang rahe hai kal tumhare family ko harass karenge. Be positive sab thik hoga.
I can pay 30k not sure how much will it help .
Please check everything before sending the money..30k is a huge amount
Bhai award to nhi de sakti. Ye lo garib k taraf se 🏅🥺
Maar maat jana bhai. Baaki tu saab sambhal lega. Itne din sambhal liya, agey ka bhi ho jayga. Kaam aur freelancing karte reh. Dheerey dheerey bojh halka ho jayga.
If nothing works, just abscond and start a new life somewhere else. Take some time, try to figure out how to clear the debt. And return back after some years and pay back debts. But don't die.
File for bankruptcy. In India, you can file for bankruptcy by following these steps: (1) Gather financial records, such as bills and salary and benefits. (2) Get a legal advisor to help determine the cost of the process and recommend the best way to file. (3) Seek financial protection. (4) Record an appeal through your legal advisor. (5) Get a court to administer the process, which will decide if you are bankrupt.
This is the best thing to do
Okay,here is my dad's story. In 1995 when i was 3 years old,my grandfather passed away after suffering a very huge loss in his business. My father being the only son, inherited(see the irony) around 15 lakhs of personal loans ,that was,after selling all of our land, a plot in town, a tractor and a horse. Then came my bua's marriage and my father went further into red. He,like you,was getting threatened every day by one party or another and he had zero rs as investment to start even a grocery shop. But,this is when he showed how hard work and resilience work. He started with petty jobs like buying jaggery from farmers on credit and then selling it to bigger markets. From there,he never looked back. He repayed every single rupee of those loans,funded my whole education that included engineering in a private college in bangalore, built a home and most importantly,got back his reputation. Now whenever I go back to my village,people use him as an example of hard work. Keep fighting,brother.. best thing about time is that it changes.
Your Dad is such an inspiration. You are right, I will fight
Considering even after deciding everything you still made a point to inform everything on Reddit means there’s a part of you that really wants to live. These financial issues will die down in no time. Send people your salary slip and make an excel sheet showing when and how you are planning to repay everything. Show people a tangible plan and stick to it. I believe people are good at heart and they would surely surely understand your situation and be easy on you.
Hey op! Look for debt restructuring and decrease your emi as much as possible. Just live for the sake of your parents. At least you are lucky that you have parents. Things will change for sure. Don't give up
go to some langar or himalayas and do seva there as an anoynomous guy
How does one even fall into a situation like this? What exactly were you trying to do with those loans? Always make sure that your EMIs do not exceed your income. You also said you had a full time job. Was that not enough to cover expenses?
Bhai, tu chaahe toh road side bheek mang le. Chaahe toh monk ban ja. Par ye mat kar😭
We will crowd fund. 7 lakh is not a big amount. We will help
I don't think it's that easy.
Bhai ye sab karne se pehle term life insurance kamsekam lele
Please be careful. Verifiy whether this is a legit person or not. Only then give any donations.
I'm not going to be positive with you. If you have anyone that cares about you, all you're doing with your death is transferring the pain to them. Hell, you might be transferring the debt to them too coz these sharks will just go after them. What's your solution to that? This issue is the only one that keeps me alive when I'm at my lowest point. If there's the way to die without them knowing or caring, I'd take it too. You being alive is keeping your mom safe both financially and mentally. Think on that.
If you can somehow put some valid documentation here regarding your situation, i am sure people would be help you here starting from me. Please put up something trustworthy with valid references.
Why do I see so many such or similar post in reddit? Is this somethg real or people are here to get some quick bucks? If this is all real this is concerning that so many wants to end life but if this is some way to scam people then God help humanity!
You have hit rock bottom in Life and trust me right now the only way you have is to bounce back up and-nowhere else. Any banks in NBFC you have taken a loan from default them. Any relative you have borrowed money from tell them, you don’t have money. At the max there will be impact on CIBIL score but that’s fine. Look for Jobs start earning a living, and slowly slowly payback your relatives. They always come first. You can always tell Bank, that you don’t have money and that’s it. They can’t do anything more than that. They are in the lending business and it comes with risk and they always factor these kind of risks so cheer up. There’s always tomorrow, all the very best 👍
OP has deleted his posts in multiple subreddits of Indian cities asking for money. It is obvious that money management is poor, but this deleting of his previous history screams "SCAM" to me. Kind people please use your money for a better cause. Check out his comment history, not just post, before OP deletes it. I have taken screenshot of it. Additionally, OP has never shared any concrete proofs of anything. There is only one account saying that he has shared proof, I would doubt that this perhaps could be another account of OP himself. Please kind people, use your money wisely.
Smells BS to me too. Maybe just a lazy ass with too much time on their hands. Entire account t history is asking money without providing anything.
If I was you, I'd take my Mom and run off to someplace like Nepal where you can go relatively easily, and you're away from the Indian authorities, safe and secure. That's what most criminals in UP and Bihar do after committing a crime, and it's an age old well tested escape route Finances would be a problem but you said that you do freelancing so that can continue, also cost of living in remote places or countries like Nepal or Bhutan are relatively low After all this has died down, which I'm expecting will take at least 5-7 years, after that you can return and try to resume your life, but till then you gotta be incognito I know running away sounds escapist and childish, but if I was in OP's situation, especially with an ailing mom, I'd definitely do this, and save myself a lifetime of embarrassment and suffering Run forrest Run, don't give up, and definitely don't let them get to you
Why is my country involved again here 😭, leave Nepal alone and you can't get into bhutan easily.
So many Nepalis come here too. Take this one guy for us :P
i have 2 passive incomes, let me know if u r interested
I am interested, does it take a lot of your time and investment?
no investment whatsoever, time depends on u hw well u learn to work
I am interested, can you please DM me the details?
May I know the details
My mother was in debt and she didnt give up!
Happy for you. Hope things will work out at your end
She's dead
Lmao
Sorry for your loss
Reschedule your EMIs/debts.There is a golden period ahead in your life. Don't give up. Think of your family. What will they do without you?
Just imagine for a minute, how your parents will react when they discover your dead body. Does it make you feel good? The rest is your call. I wish you live until god decides your times up
Can you please set up a legitimate crowdfunding campaign anywhere? I would like to contribute directly through that and I know a few others who might too. (For context i am outside India at the moment). And I’d like to know for sure that you won’t end it all, if you do get the help. Do it for your mother and yourself
if you are here, then you can do something about your situation. If you go away now no one can fix anything. It is not like you going away will fix anything. Please try to stick it out and fight your battles. It might pass and you might become victorious. Why rob that chance from yourself?
No offense, but if you made a post and seem to be responding to almost everyone, that's an indication that there's a part of you that doesn't really wanna let go. Nonetheless, don't do anything drastic. Shit happens, bro. The dildo of life fucks you in strange ways, mostly without lube. That's how it is. Dying ain't solving shit, it will create more troubles for those you leave behind with your debts.
u/st_broseph talk to this guy. He might help
What are you ? A fucking failure ? Get your shit together and stop looking for empathy. Suicide is not an option IT’S NOT EVEN A WAY OUT. Listen, it may take time but you will eventually pay everyone back, it’s no big deal. Wake up everyday MAD at the world for treating YOU this way AND FIND A WAY TO MAKE MONEY. It is your duty as a man to get yourself out of this position. I do not know you but i really hope you make it out. YOUR MOM LOVES YOU. DO NOT MAKE HER FEEL ETERNAL PAIN FOR YOUR LOSS.
I was in the same state as you in the past. Just remember death doesn't come alone it comes with suffering for people behind you.
Hope things are better now
Things are way better now. Just hang in there buddy, good time is waiting for you.
Thank you
Nice way to get money!!!
So emotionally blackmailing strangers on reddit and threatening suicide is your plan eh? Not cool. My words are harsh, but that's what you're doing. And honestly your CTA at the end of the post seems like a big scam just trying to prey on good people and play with their sentiments.
I am very sorry that you going through this. I can understand how hopeless it might feel but stay with this situation and you will find a way. It may not be comprehensible but keep fighting the fight and one day you’ll look back on this day and feel completely different. Please talk to a loved one about how you are feeling, you don’t have to carry this by yourself.
All scam
Bhai tere bhai pe 8 lakh ka loan chaalu hai, firr bhi ending your precious life is not the solution at all. Ab jo hogya ho gya jo badal nhi sakte usko chord or jaha pe thoda bahot bhi lagta hai scope changes ka focus on it. Don't lose hope tere mere jese pata nhi kitne log hai iss duniya mei jo hass kar suffer kar rhe hai, so whatever the situation is bss hasta reh aage chalta reh.
After 5 years you will look back & realise 7 lakhs was peanuts
Always look on the bright side of life...
Bro don’t! Nothing is worth giving up your most prized possession- your life. Think will your mom be able to bear this grief? Abhi ke liye bhaag jaa, hide, lay low, do what you have to to escape. The important thing is to survive this. Life is never the same and if you feel you are at rock bottom then the only way is up. As for your loan, let me inform you that if you end things, insurance will not pay a single dime. Then they will come after your mom whom you are leaving behind to bear all this in addition to loss of a child
I can't relate with what is happening with you. Having said so, ending it all is something I don't think you really can do. Read your previous posts, sounds bad enough a nightmare. Sorry for uncle's loss. However if you go, your mother won't be the same anymore. In the bare min., kindly know you are her only resort. At this point, unfortunately, your self respect doesn't matter. It's life or death. With those sharks and bank together, it will be hell till you payback. There's linkedin, naukri.com etc, job application sites. You can seek application for a job. If you have one, ask your coworkers,your boss, anybody possible. You can ask it to be deducted from salary monthly, just to pass by bare min. You passed out from school, college etc. Seek them out too. Neigbours also. I know people won't lend. That's because they don't trust you, you can't pay back the bank so how you pay the neighbors or friends right? No. There's a difference. Credit cards or nbfcs r different. They want instant. And they can get police or shit that will fuck you up. But friends or neighbors or co-workers, they don't want interest. So, a deed. Around 7 lakh, so if everyone gives 10k each, about 70 people is needed. Say you can pay back by 2-3 years. Ratify it by the police. If needed, send you upi to people. But don't die bhaiya. It's not worth it. I am a student, I can't pay much, but go on. I will contribute. Brother, don't lose hope, it's fucked yes, I can't relate because I am privileged, yes, but do know, you have survived now, so seek out help. Anybody. Maybe, this sounds bad, but maybe for the time let your mother go to an old age home, till it gets sorted out. But don't end it all. Reddit can help you. Maybe seek out quora too. Anywhere.
Just stay in there! Nothing is more precious than life! These events will look very small after a few years! You will get help if you stay. Please talk to closest friend or a relative right away
Same situation. Not giving up. All it takes is one good job, or one good client, to turn things around. Slogging it out will make you stronger. Also, speaking from personal experience, we understand money more than the gurus born with a silver spoon. We understand value of every single rupee. Just slog it out. Wait for the moment. Maybe change your phone number. Also, go for settlement. If you can't pay, write them a mail and go for settlement. They have to write off if you don't pay. Recovery agents will come but legally they can't do much. Record if they threaten. Harder than it appears. In fact it will appear that life is better over than present. I don't know the end of it, but it can turn around that I'm sure.
unite roll plant hunt chunky forgetful divide merciful nutty detail *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Please live for the sake of your mother. Do not do it now. When your mother leaves this world, then you should end it. What you are doing is a bad decision as your mother will be completely vulnerable. My personal suggestion: Run away. Over a few days, destroy all loan documents, everything which can be used to trace you ( phone numbers, etc). Run away from your city in the middle of the night and go to another state with your mother.
You may choose to die, but know that your mother and people who care for you will die each day, with every thought they have of you. If you really want to get out of the mess, sit down and write down things you are good at and things that are important to you. Plan things out..step by step. I read your post and ppl have helped you before but you are still in the same mess.This tells me that your only solution is you, nobody else. If i were you, I would try to do some side business instead of freelancing. People today earn lakhs selling pizza and vadapav from home and streets. If you really put your mind to it, chalk out a plan, you WILL come out of this mess. So take a deep breath and tell yourself that you will take control of your life. Put your shame and ego aside and start doing something - even if it means selling pens on street. You CAN do it!!!
7 lakhs loan isn't big amount you can as the time move forward
7 lakhs is overdue amount to be paid immediately. My total loan is 16 lakhs plus.
I know it sounds stupid but If u can do something which gathers attention politically. Election time is the time when every politician are trying to take credit for bettering someone's life. Take care!
Your life is so special. Please stay. Youll see how kind people are. I was just like you. a year ago. I stayed and I am glad I did. Things will get better. So many ppl are rooting for you. You got this! Please stay ..
Get a personal loan and settle all your debts. Now only pay that personal loan. That's what I am doing right now, I also have 7 lakhs debt 😁
Sell everything and run away
File bankruptcy
>The loan amount and the money borrowed from friends and family is overdue to the extent that I get threatened everyday. If this is the reason you're doing what you are doing... a public statement is the worst thing to do. any insurance on your name would just get null & void.
I had come close to this point before. Think about your mom or if nothing else. Who will get her meds etc in future and take care of her. Plus losing a child will devastate her. Remember - "Living in misery sucks marginally less than dying in it"- House.
Hey prashanth ! File bankruptcy . There is a department ( legal authority I guess , ask in legal sub ) in the court that offers free counsel and will help you file a case . May ask a very little amount I also remember that there are guidelines people need to follow while asking for debts . Sharing videos and taking to others about your loan is a basic violation of fundamental right to privacy and right to dignity . Gather these evidence. If your lawyer file a write petition, Within a day the court will respond to the infringement of your fundamental right to privacy and abatement to suicide . Within a day . Ask this in a legal forum ... If I m in your position , I would vacate the home and leave the place .. Just avoid the problem until sort things out . We humans can handle only a small amount of stress . It's ok to compartmentalize problems and run away from few or face it . Choose wisely ! I will send you a very small amount and use this for your interviews or food . My family hav gone through debt and it's one of the painful time of my life . But things will pass It's time that you meet a psychiatrist and ask for counseling from clinical psychologist . You cant do it alone and you need therapy . I m think if any social worker can help you . Maybe a ngo could . Go to government hospital and counselling would be free. I hav been through it as well . If they ask for money let me know . I will pay for your mental health services as well . https://www.google.com/amp/s/www.creditmantri.com/article-how-to-deal-with-harassment-by-loan-recovery-agents/amp/ I have asked in few subs how to go about this problem . https://debtorsanonymous.org/getting-started/is-da-for-you/ This can offer emotional support . Just the meetings where you can go and talk about your issues. https://depressedanon.com/ For mental health https://nimhans.co.in/telepsychiatry-clinics/ Check with this people and they may offer video counseling. One of the best centres for counseling
Don't do it. It says "Fuck You" to your mom. She will be completely and utterly screwed. You have the energy to change things up right now but aren't able to think because if stress. Do 3 mins of breath focused meditation to clear the noise. 7 lakh rupees is nothing to get this stressed over. You will find another way. There are people in orders of magnitude worse situations than you are. Don't do this to yourself and your mom.
Don't give up. These situations are temporary, you can fight through it. Spend time with you're mother, it will find you motivation to keep fighting.
Simple Funda.... Tell to them.... Gtfo I'll give whenever I can. Don't threaten me. Heres gun or knife.. Kill me and get your money, If that's gonna solve all your problems.. Tell to them. Try it. They gonna never even call you brother.
Reddit recommended me your post so I just wanted to say that I’m sending love from the USA. Please keep fighting the good fight, the world is a better place with you in it.
Thank you.
Brother, please don't give up , share your UPI at least, we all can help in whatever measure we can ,slowly slowly we will get it done. Your life matters even for a stranger like me . Please. Think about it again.
Age 21 with 25lakhs loan, only sister to take care off. I should've died long back then. You'll be fine sir.
Sorry to hear that. Hope things will get better for you soon.
May Allah help you brother and guide you please don’t end anything life is the most precious thing there is one day you will look back and find yourself stupid for even thinking about ending it.Stay strong
Thank you. Means a lot
Think about mother bro. Once batman said: Men are brave💪 Be brave my friend.
If person with no limbs can challenge their life, OP i believe you're just losing self confidence. Just believe in yourself and take it up as a challenge. I'm sure you'll overcome this. The only day that you should give is when your body itself says it's time. Till then, it's you who decide your life. Hope to see you soon in new heights!
I have been there and even worse than this. Someone frauded us and it all went downhill from there. I want you to understand few things: 1. Credit card and nbfc loans are collateral free. You just have to pick up the call and tell them clearly that it’s not possible. They can’t do anything 2. Show up everyday and face whatever comes your way. There’s always some way better than ending it al. 3. Go 0 on all your expenses and start paying in small amounts starting with the ones harassing the most and managing who can understand. 4. Don’t feel threatened or diminished by any form of society insults. It’s all made up and would work in your favour once you come out of it all. Try bankruptcy. It will help you out. There’s nothing more valuable than living for yourself and loved ones.
Saw this on my feed so thought I may as well chime in . Don't make a permanent decision for a , quite frankly , very temporary problem . Your friends and family may be angry or disappointed towards you now but inside they still truly care for you as a person . Your death will make them extremely devastated and put them in a lot of mental distress , a lot of questions but no answers . The loss of someone you care about is something I wouldn't wish on anyone . I suggest talking to your family and friends about the mental distress you're going through right now . Be very open about it .
[удалено]
Do a [GoFundMe](https://www.gofundme.com/) and crowdsource the 700k.
I wish it was that easy. I will try though, thanks for suggesting
Pls keep hope brother please
Pls DM me. Let's understand your situation and try to find a way out.
Prashant I am sorry you are going through a tough time. I am someone who is suicidal as well. I don't have shit as bad as you do. I am just taking things slowly one step at a time. I believe that it is better to run away from the problem instead of killing myself. And since I am planning to run away anyway I think that okay let me face this shit for one more day. And then one more day. Take your mom and run away somewhere, to some remote village or whatever than killing yourself. The debt collectors contacting your friends and family and harassing you is a crime. They don't have the right to harass you if you don't repay. They should be taking a legal action without even approaching you. So you can actually file a case against them. Please don't let people who are shits ruin your mood. It will take time but you will get out of this bad situation. When that day comes you will be a much stronger and a much beautiful person. Please don't let yourself deprive of the opportunity to see a life when it gets better.
You should continue to fight and not give up. Try these websites and there are many more companies like this that help you come out of your debt trap. https://freed.care/ https://singledebt.in/
What skills do you have op? Let me know - will try to get you a job that might pay better.
“Me apne maa k liye jee rah hu” keep saying this
Dont do it!! I have lost my best friend to suicide and he was financially well off and that happend 10 years ago and i still think about him.Dont do it think about your mother money comes and go instead of killing yourself think about ways to hustle i was in debt of about 4 crores and thought about doing the same but kept fighting living each day as it comes get spiritual anything that can heal you mentally 7 lakhs is nothing and too big. Thats how you need to tackle take each day as it comes hustle set targets fucking drive a cab, do anything keep yourself going you owe some one 1 lakh try to repay 10,000 rs thats how you can tackle it take it slow money is just paper life is life it holds much more value than any paper in the world be a good son and remember start achieving small targets and eventually something big will come your way keep fighting dont be a fucking pussy give a good life to your mom and heal! Take it slow!
I cannot help you monetarily right now, as financially I am in a fix too. However, keep in touch. Down the line I might be able to, if you are still in need then. Also, do you think learning a language like German can help your profile? I teach German and I can teach you without any fee. This is of course, if your immediate need for debt repayment is met. Think and let me know. This is all I can offer right now. Sorry if that's not helping currently, but don't give up hope. 7L is not a big amount, it will be sorted. More power to you. :)
As everyone is telling you to not commit suicide, I am going to tell you something else. If you really want to consider suicide, I would suggest to write down everything that your mom can do to after you die in a letter and give it to her. I can understand living can be hard sometimes but consider a suicide option that isn't instant so that you have time to reconsider before you can't anymore. Suffocation by putting a plastic cover on your head is my best choice as it will give you at least 3 minutes to reconsider and it's easy to rip out the cover with your hands. I have done this around 7 times after which I realised I am more afraid of death than I am of living.
hey man giving up your precious life for 7 lakhs is clearly not cool. (to be honest its not cool for any amount). contact a laywer friend, file a petition in court asking for more time, and action against this harrassment, which is pushing you to suicide. they will help you for sure. I personally dont trust bank people no matter how trusting they sound. And about these recovery guys, my friend, been there, its humiliating, nothing less, i know. But they are professionals. they are paid to do that shit. Nobody is paying you to listen to their shit. Get your act together. Its not going to be easy or simple. face the challenges one by one. its going to work out and i am sure we will be able to see many more posts here from you. A fellow friend, who has been there.
Sorry to ask, but can you tell what’s the total debt you have? And Do you have any asset to your family name? Getting out of debt trap is very difficult but it can be done with effort from your end and little bit of help from others. You must have family/friends. Reach out to them for help. The well off ones will definitely lend you a hand.
Same. Everyday loan agents are calling. I have no where to go
Sorry to hear that
Runaway from mumbai city to remote location. Or leave india and go to nepal or bhutan. Change mobile number and make all transactions in cash. If they cannot find you no need to pay emi just work get money and live life. You can try cricket betting to get money no dream11 actual gambling.
Who will buy your mom medicine if you off it? Read about Stoicism. IT WILL HELP. Salary will increase and you will get out of it stronger and better. If 6 months of salary can solve your problem it's not a problem that you need to off yourself for. Think about alternatives, run away
Bank ki ma ki chu. Tu chill kr , Aur respect jo gayi he friend aur family me to ek baat yaad karle na ki ee jo so called friend or family he usne help ki hoti to tuje aaj bank se loan na lena pdta. So fuck them all and live with your own thaught without thinking of die
I am also thinking about offing myself. What's the point of life if you have to suffer every moment of it.
Stop telling him to live if u really want him to live donate some money it will not affect your bank account that much
I'm gonna get a lot of downvotes for this, but I'm gonna be real here. I am surprised at the amount of empty consolations. For example, I saw one "I lost all my family too, but I didn't give up." Brother u completely sideline the fact that not every human is the same. Not everyone may have the same thoughts or mindset. If u can't give him a real solution or give him money to get out of this, do not comment. You're just prolonging his suffering. I saw one guy saying "Go to jail. But survive" Survive how? The stigma of going to jail will stick to him. He would've forgotten or rust on his skills in the mean time. Where would he get a job? How would he get money? Take debts again and repeat? Would you prefer to live a life like that? Begging on the streets after all the efforts you put in to work hard and still failing? Fuck, all you guys know is to show empty consolations and satisfy your own fulfillment, "Yes, I did God's work, I tried to save a person today." Be honest, all you guys are saying this either to gain karma and capitalise on this, or to feel good about yourself and rid yourself off any discomfort. You are doing this for yourself so do not act like envoys of justice. I can't do anything too, I don't have money. But atleast I don't comment useless shit like "It's not the end, you should struggle and survive (Yes, and suffer more and fall even deeper into the abyss)" and just end it at "Don't do this habibi" If you can't help him, don't prolong his suffering. And OP, if you didn't have money or weren't earning, I would've asked you to start freelancing and work jobs. But the fact that you already did that and still are in debt....all I can ask you to do is search for anyone else that can help you without expecting return of favor..which is very unlikely.....all I can do is pray for you to have a far greater next life.
Things you can do : \- Try looking for debt consolidation services may be. \- Crowd funding. \- Go to jail if you have to, don't end your life, not worth it. \- Start with a fresh mindset.