This is Abhishek from India. I keep my fingers crossed that my message reaches the right person. As it is very important for me. For the last 6-7 months, I had been trying to reach out to people asking for help, As disturbing as it may sound, I am just helpless and am left with no other option. I will be short and to the point and very grateful if you would hear me out once.
Back in 2011, I started as a small scale trader with the help of my father, I am a graduate in Business Administration, as all my friends pursued careers elsewhere I was forced by my parents to stay back and do some business that would keep me at home, as living jointly is very common here. All the more in my case as I am the younger of two siblings and my elder brother is handicapped, he is a patient of cerebral palsy. He is 35 years of age now but still needs to be cared for like a newborn. So, as my parents have been his caregiver all their lives, they feared that if I moved out to some other city for a job I might not return, it was their insecurity and love that made me take up their decision to become self-employed. My father helped me and I grew bit by bit, as the commercial space that I started to work in was rented, in the year 2016 we decided to purchase a place of our own, and along with that we thought it would be best if we got a place to live near to the shop, then it would be very easy for us to manage the same, as my parents were growing older and all of the responsibility came on me then it would be very exhausting and time consuming for me to single-handedly travel and care for my elder brother. So, as planned we moved along with our dream and in 2016 we got ourselves a property that had a shop in the ground floor and an apartment to live in the 1st floor of the same building. In this process, we depleted all of our savings, sold out small property units that we held, and also had to take loans from the bank that have our property mortgaged. As optimistic as we were back then we thought we would work day and night and meet with the mortgage payments. But then after the demonetization hit in our country at the end of 2016 things started falling apart, there was loss of business for months, to suffice the loss and make up for the mortgage payments we had to resort to our credit cards, and some Personal High-Interest loans, that we thought would take care till the situation turned for the better, but it has been more than 30 months now and business situation has only worsened, resulting in our debts to shoot way above our ability to repay, which has taken a toll on our family health and I am being crushed from all around. I have talked to several banking institutions for credit restructuring, but it was useless, even tried to reach out for government relief, but as it seems, there is not really any relief of that kind. Then, at last, I tried to reach out to people who might help me.
Sir/Ma'am, I am on the verge of losing my business, and my home, the company's that I work with have withdrawn their line of credit as I was late with my payments, due to which my income has dropped drastically low, whatever little money that I earn is snatched away from me for loan repayments and it is becoming extremely difficult for me to arrange for medical and food expenses of my family. Even as I plan a career change it is tough to function as I get 100's of phone calls and an almost regular visit from recovery agents daily, it has become extremely painful for my family. My wife who I got married to in January 2018 left me at the end of April 2019. I don't blame her, it's me, I had been so caught up in all this that she couldn't take it.
But I can't leave my family. I have to save them, if it was just me I would have let all of it go, but its my parents who gave it up all for me, and now I can't bring them on the road, my brother who hardly understands it all but still is very dear to us, and we can't let any harm come to him. I have my duty towards my family.
Therefore, I humbly ask you to help me clear my family's debts. This money if raised would be used to repay the credit cards and other high-interest loans first and then to refinance my business so that I can start earning again and go on with my life.
I am a God fearing Individual, I will never lie in the name of my family, I have done everything in my power to revive the situation but failed, and so I seek assistance. I will be forever grateful if I receive any kind of help.
Help me secure the future for my old parents and my brother who depend on me. I can prove to you that every word that I just wrote is true. Once I get out of this debt, I can start afresh with a free mind.