Hello,
I made some terrible financial decisions and I was also careless with my finances and greedy between 2020 to 2023 and now I am stuck with a very huge debt that I cannot repay and I really need help/miracle to get out of this.
I am managing my finances better now, but still have a huge deal to pay. This is my embarrassing story and do not feel bad if I am judged, looking back I feel terrible.
I started gambling in 2020, and between February 2020 and November 2022 I have raked up 235,000CAD in debt. I did make some money but was too greedy to quit, until I had dug myself into this massive hole that I cannot dig myself out of.
I quit gambling and started the process of paying back. I took loans from banks and loan companies including credit cards in February 2023 to begin paying, totalling 30,000CAD. I have been consistently paying down on those loans, but still have $200,000CAD still hanging over my head from the main debt.
I am employed as a software developer and also doing freelance, I have also created a couple of SAAS applications between April 2023 to date, only one is still up, the others did not get any revenue and I was making loses. The only one up makes a revenue of approximately 30CAD every other month, with just 10 paying customers, I am currently in the process of adding more features to make it more viable, nevertheless I am still incurring losses on it, but am certain that if 1 person is paying then I can get more people to use the app if I fix the issues and feedback customers have provided. I am also doing delivery services and Uber.
All the money from my job, freelancing and delivery services goes into paying off the loans, rent and family expenses with little or nothing left to save and pay the outstanding debt, I still send money from time to time to various people I borrowed money from, like rationing. I have been threatened, embarrassed and lost the trust of my family and friends as I borrowed some of the money I used to gamble from them. I am still working hard to pay back all of them.
The issue I have now is that one of my friends I borrowed money from is now been harassed and is about to lose her house to the people she borrowed money from to give to me. Hence my heightened desperation as the period she was given has expired. I owe her 74,000CAD in total. I really need help with this, or some of it, to give her.
I cannot live with myself if she loses everything because of me, it has been very hard and gruelling past 2 years, and help with this, will really help me concentrate and work on everything I am doing now to pay off and be financially liberated.
I have burnt all the bridges where I would have been able to get help and ended up finding this website after I began searching and looking out of desperation. I fill stuck and cannot think straight knowing that somebody else is suffering due to my bad choices.
Please I need an angel to give me a second chance, and help me fix all I have broken. Please any help will go a long way.
Thank you,
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