Sorry, I do not know which section to send this post to.

But Mod(s) kindly help a brother to move it to the right section and post it to the front page. I need someone to talk to as I am gradually losing it.
As I sit to type this, I am gradually sliding into depression as I hardly have a peaceful sleep at night. My whole life is tied down by these debts.

My trivial all started during the covid19 lockdown last year 2020. Due to the financial challenges, I experienced and no one to offer me help(financially), I resorted to borrowing from online app borrowers.
Since then it has been the same story month in and month out. When I get paid my salary I used it to settle some of the lenders and borrow again from the ones I just paid. I am tired of everything as all my finances is been controlled by these debts I have incurred.

I am no longer the same person I use to be, because of overthinking.
I am willing to take any criticism and any other advice because right now I am stuck in the middle of nowhere.
I need help seriously because I losing my mind.
As I type 2 of the loan apps are threatening to send an image defamatory message to all my contacts.

Please admin kindly help move to the front page, someone who overcame such trivial might give useful advice.

Thanks.

Yojust have to settle the ones you have incurred and then pray and discipline yourself to your salary and start a business as well. I wish you well

I see I saw

Thanks for the advice, I wish it is easy as you have just put it.

It is very easy to collect loans but very difficult to repay. Since you are already past your due date, my advise is that you meet with the management of your creditors and seek to restructure the loans. This should make repayment more convenient for you.

[quote author=joeyblacq post=100726966][/quote]I have begged for them to restructure but to no avail. They are only interested that I pay back today or face the consequences. Which is to send a message to my contacts broadcasting me as been fraudulent.

joeyblacq:
I have begged for them to restructure but to no avail. They are only interested that I pay back today or face the consequences. Which is to send a message to my contacts broadcasting me as been fraudulent.

You can only come out if you have someone that can loan you with enough time to pay up.

The second option and the hard way out is to dare them to send those blackmail messages. Most often it is a to threat. What matter most is your commitment to settle the loan but try and avoid from any app or person giving out loan with maturity date of seven days or fifteen days. It will only compounds your problem.

May God assist you.

The truth is it is very unwise to borrow money to pay debts. U won't won't recover from it in a long while especially if u don't have a steady source of income. Learn to stay away from debts as necessary as possible.

Amen.

I have been begging and looking for someone who can assist me with the money. I will be more comfortable paying back in monthly instalment than this 7days or 15days duration. Whatever requirements the person needs I am willing to give while I pay back monthly until I can pay fully.
Because I am depressed by this situation I found myself.
Please I am begging, I seriously need help to get my life back. Even my health is been affected by it. As I don't sleep well and feed well any longer.

I pray God sent me a helper from above, I really need one right now.

My brother I can feel your pain.. I have been in this your situation and I know how it feels.. Infact I'm still owing Opay 12k which I'm gonna pay in a couple of days after which I can never make such mistake to borrow money from loan apps let alone taking a loan. I knew what propelled me to go for such crap and I have trashed it by God's grace. I wish I could help cos it is not easy.. I was depressed at a point to the extent of going violent against my girlfriend but thank God for her understanding. The best advice I would give is to be positive and pragmatic about your steps to pay back.. It is hard these days to see friends that can help, some could cross many miles for one's burial but they can never cross just a street for a friend in need. Many of my friends turned me down when I needed their help most but thanks to some strangers who I never knew could be of help. I pray God help you and show you the way. You can as well pray to God to help you and show you the way.. I pray you find help.. Don't be depressed pls, you will definitely overcome..

U don't have to stress yourself the more. @ least u still have a daily source of income. Try and focus on that and trust in Allah. I have been out of job for over a year now and i still thank Allah and put all trust in him.

Thanks, everyone for your concern and advice.

Well unfortunately with all pleading and begging, the loan apps went ahead to send a derogatory message to my contacts and they are still threatening to publish my picture on all social media. I am disoriented on what to do right now because as it stands they are likely to carry out their threat if I don't pay today.
All I need is a little cash to pacify them while I keep looking for the rest to pay up but it seems help is far away from coming to me.

It is well oo.

Hello sir, I feel your pain, I have been there, done that!
But unlike you, my sole reason for taking any loan is to finance my business as such, I won't feel the exorbitant interest levied on the loan..
Perhaps.
The only way out of this is not borrowing from a friend to repay Dem cuz trust me you will default in the payment since your friend might be lenient with you.give your self an ultimatum to repay all your debt, even if that means sipping garri on a steady basis, you would be fine...

joeyblacq:
Thanks, everyone for your concern and advice.

Well unfortunately with all pleading and begging, the loan apps went ahead to send a derogatory message to my contacts and they are still threatening to publish my picture on all social media. I am disoriented on what to do right now because as it stands they are likely to carry out their threat if I don't pay today.
All I need is a little cash to pacify them while I keep looking for the rest to pay up but it seems help is far away from coming to me.

It is well oo.

Na wah o!

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