I am facing a financial crisis and need your help immediately. In the next 14 days, I have to pay $19,380 to stop foreclosure on my home. This house is not just a building, but a place where my mother and I have lived through many challenges, and now we are in danger of losing it.
my story
I am 41 years old, the only child in my family. Growing up I excelled in maths and was pursuing a diploma in computer studies. However, life took an unexpected turn when both my parents became seriously ill. My father, who was 84 when he died last October, succumbed to cancer, and my mother, who is now 82, is unconscious and facing serious health problems. Due to their illness, I had to give up my studies and work a small job to support them.
In 2013, to cover my father’s medical expenses, I mortgaged our house to Sri Lanka HDFC Bank and borrowed 30 lakh rupees (approx. $10,000) with the help and support of my friends. Despite my best efforts, my father’s health did not improve as we had hoped, and I continued to struggle to repay the loan while taking care of my parents.
For years, I managed to make the payments, but the situation became more challenging after I lost my job due to the COVID-19 pandemic. He found a job whenever he could, but he couldn’t pay the debt. The bank initially understood and gave me a long grace period but now that period is over.
My family situation
I got married in 2017 as per my father’s request. My wife who is now 35 years old and I have a 3 year old daughter. Unfortunately, due to the financial difficulties we were facing, my wife and I were constantly at loggerheads. She was working in an organization, but after our daughter was born, she also had to take care of my mother, father and our daughter at home. This situation caused her great distress and finally her parents came and took her and our daughter away. Although this will ease some of the pressure during this difficult time, I am determined to make things right and reunite with my family.
This house is near a very famous government hospital. Therefore, my mother’s illness was treated by the doctors of that hospital for a long time. This cannot be sold suddenly. Even if you sell it, you have to go to a very distant area after that. A lot of money has to be spent to bring the mother back to the hospital. So for me this place is very important until my mother is alive.
If I can get this help as soon as possible, I will be able to save my house first, and then I can focus on supporting my family from my current job.
How can you help
The bank informed me that I must pay the total outstanding amount of 65 lakh rupees ($21,700) including penalties and interest within 14 days. I have tried everything in my power to raise funds, but I am still $19,380 short.
If I can pay this amount within the next three days, I will be able to avoid foreclosure and keep my mother and I in our home. I will be able to settle the full amount by September, but we need this immediate support to avoid losing everything.
Any contribution, no matter how small, will bring us one step closer to keeping our home. Thank you for taking the time to read my story. If you are able to help, please remember that your kindness will not be forgotten.