Hi, my name is Nguyen Thi Em, I’m from Vietnam and I don’t speak English. i use google translate and my friend sent me this website so i can ask people to help me. I currently live in a rented house.
I’m a single mom, I have a 3 year old daughter. I lost my job in May 2021 due to bankruptcy of the company where I worked. At that time I owed the bank about 20000$, every month I had to pay them about 600$. This debt comes from a losing business before I went to work as a hired worker.
I only stayed at home to take care of my children from May 2021 to January 2022 because I could not get a job and my children were too young, at that time the covid epidemic spread in Vietnam so we were all in lockdown. . During that time, I still had to pay the bank, but because I had to raise my children and pay the debt, I could only maintain both for 4 months. Then I asked the bank to reduce the interest rate and extend the repayment period for me, but they did not accept, they also wanted to sue me in court. And I made a stupid decision, I borrowed $ 10000 from the gangster at 5% interest per month to pay down the money to the bank so that they could approve a lower interest rate for me. Because my friend told me to work as an insurance agent with her, with a 40% commission I would quickly pay off my debt. But because everyone was affected by the epidemic, I sold very little insurance, and the commission was not enough to keep me alive and paying off my debt. I tried to talk to the gangsters but of course they refused, they threatened me every day. From February 2022 until now, I tried to do many jobs at once to be able to pay off my debt, I lost from 55kg to 47kg in just 2 months because of overwork and stress. But no matter how hard I try, so far I can only pay monthly interest to the gangsters and banks, both me and my daughter have to live very frugally. The worst thing is that every morning when I wake up, I feel like this life is like hell, I always have to live with the thought of how to repay the debt to the gang because the threat always threatens me. Really, if it weren’t for my daughter, I might have thought of death.
I beg everyone to help me, even just 1$ so that I can quickly repay the debt to the gangster. I am thank you so much.