I’m Khoa, a 28 years old Asian man living in the Southeast Asia. I’m working as a Med. Rep for living.
I worked far from home since I was only 20. In 2014, I was young, naive and quite arrogant, I decided to quit my job as a QA officer for a veterinary company and become a salesman which salary was very tempting. And yes, it was. But I didnt notice about saving, I spent every cent out of my pocket for shopping, clothes and electronic devices. I didnt care much about my family at that time. Then one day, my Mom called and told me that we were in trouble, my father has made a debt about 700mil VND ~ 30k USD. I was very shock. My family had a small cafeteria, we sold lunch and dinner for low-income people such as construction workers, students from small city… Our business didn’t run well for a long time but my father didnt tell anyone , he thought he can make it through like he did several times before. Sadly he didnt this time. Our cafeteria had to be closed and the debt was there. I was devastating when my Mom told me about what happened, but my only choice was I had to work harder and save all of my money to pay the bills. We mortgaged our house and I made a unsecured loan from the bank because I didnt have anything to mortgaged at that time. We asked our friends, relatives for help but they didnt, I still remember what my Aunt said :” You even mortgaged your house, how can you pay my money back?”. I was like, speechless. I’ve never thought that what an Aunt should said to her brother, to her nephew. So I decided to borrow from a service and pay the interest every month until I have enough money to repay them all.
Time gone by. It’s been 3 years now, I work really really hard to have money to pay the bills. I work as a Med Rep at day, as a small motel receptionist at night, sometimes as a sampling provider to customer on the street… just to earn money. Every morning, the first thing I think of when I wake up is hope that today is not a pay date to anyone. I rarely use social network since that time, I’m afraid that if anyone sees me there, they will ask me to pay their money back immediately. I never have a thought that I wont pay their money back, but please give me more time. All of my salary goes to pay all the bills, someday I dont even have 2usd to buy gas as my motor ran out, hope that it wont ran out in the middle of the street. My only wish is that I have enough health to work until I pay them all so I can let my family be free again.
I’m writing this far to let you know a little about my situation, I wish that you can sympathize what I feel 3 years now. I only eat once a day, I barely sleep at night, I dont have courage to connect to anyone. Someday I wish that I could dead so I wont suffer anymore. It’s been 3 years and the debt now is about 13k USD, I hope you can help me get out of this situation, at least help me out of the interests I have to bear every month and the loan is still the same after 3 years. I can pay you back every month at least 200USD until I pay you all. Please! I really need help!
Thank you for your reading this far,
If you can help, please do it. I want to live as a human again.
p/s: I’m sorry about my bad english, I tried my best but maybe there are still some mistake and not clear.
The picture is my unsecured loans from the bank: I borrowed 180mil VND ~ 8k USD from 2017, now it is 75mil VND ~ 3,2k USD. About my family house mortgage, if you want to see the pay date schedule, I can provide too.
My paypal.me : paypal.me/khoanguyen92