Help me get out of vicious cycle trap of scam debt and harassment of me and family

I am a 24 year old woman from Indonesia. Just a regular person. I work as a translator while taking my bachelor degree.

I am currently the sole earner in my family of 7 (My parents, 2 younger sibling and 2 younger cousins and me).

A few months ago, I had run into some financial problems so I decided to take a loan with the full intention that I would receive my pay the following month. I searched around, found an online fintech app that was offering loans. So I registered saw the app was offering loan with a tenure of 120 days. i felt that it was a reasonable offer, so I registered and went through the verification process. They asked for my ID, photo and my contact number and contact number of guarantor (my parents and/or siblings) and other personal information. Then they asked for access to GPS location and other mobile functions. I didn't realize that this was a problem at that time.

After finishing the process, after an hour I had been approved. But when I saw the app, I was shocked! The original offer for $200 with rate of 0.8% interest and tenure of 120 days wasn't approved. What I saw was that I received the amount of $120 and I needed to pay back $200 in 7 days!

I panicked, I tried calling the operators but they could not be contacted. As the 7th day approached I started receiving calls that my tenure was almost up and I need to pay up. I tried negotiating with them but they refused, they threaten to spread bad things about me to my contacts and social media. I panicked and looked for another loan. To close that loan I had to borrow from two other applications with very bad terms also but at that time I felt I had no option. So that started a cycle of borrowing from another app to close an existing debt. From one app became 2 apps and then multiplied. And I kept digging myself into a pit.

I found myself struggling, I tried to work to pay it off, I took multiple jobs, but it was no use as the interest rate was so high average of 4%/day - 20%/day with very short period. They debt collectors started calling and kept terrorizing me and my family. It got so bad that when I missed a deadline they would send broadcast sms and terrorizing calls to random contacts be they relatives, work colleagues, even acquaintances.

Basically they message was "We got your information from Bahiyyih who put your name as a guarantor. Tell her to pay back this time or you will be help responsible". Then they will proceed to call and terrorize them. I was so angry and so humiliated. They had basically abused my privacy and had had hacked and extracted all my information from my phone. I lost a lot of friends. Some were understanding. Some were very unhappy and I don't blame them. I had allowed their information to be exposed. They were being terrorized getting calls all the time because of me.

Some friends tried to help me financially. I tried seeking legal help but no one can help me. The Financial Service Authority informed me that they can only help mediation in the case of a fintech companies that are legal and already registered under them. Other online fintech companies do not fall under their jurisdiction. There are no debt consolidation and relief program for this case.

The police also cannot help because I did agree to take a loan, so I am still obligated to pay back no matter what. Unless there has been some kind of physical confrontation by the debt collectors or there sharing my information or defaming me through social media.

The only way to solve this problem is to pay all the debts, close the account and uninstall the apps. The only way is to solve through family and friends help and support. But that's the problem, my family is struggling at the moment and my friends are limited in how they can help me.

I cannot wait until I become a victim before I am helped. And I am don't want to implicate my contacts any further. I always try to pay on time because I know they have a list of my contacts and can anytime. In a sense this is like blackmailing people, holding on to their fears. You can only dig yourself deeper into the hole.

I have truly disappointed my family and friends who trusted me. They have tried to be supportive in their limited way. I have begged and borrowed from friends but as I mentioned earlier if i don't totally close the debt it will just keep coming back and multiplying. As you can see in the report, the dates are due tomorrow. Every day. And I if I am not able to pay, I would have pay extra extend the due date to another week and being forced to borrow from another app.

I have attached a report of the apps that I borrowed from and how much I owe. Total I owe around Rp150,000,000 which I is approximately USD$11,000 + Fees $1000 from bank, paypal and Gogetfunding.

List and report of what I owe:

https://docs.google.com/spreadsheets/d/13wjdTAq7mb...

Proof Pictures: https://drive.google.com/file/d/1Lcl5R1dCvd9wGhlTC...

Thank you for all those who are will to help me I am so every grateful. I know that this is a lot. I have no words to say except thank you. Thank you so much. I really appreciate it.

Please help share the link privately to others who can help donate or share the link. Any and all help is greatly appreciated.

Please note that The total amount needed may be subject to change according to the conversion rate of dollars to rupiah. If I am not able to meet the payment on that day then the total amount needed will be increased to extend the due date.

Amount will be updated frequently, all donations will be accounted for both through gogetfunding and offline donation. Screenshots of payment proof will be updated regularly of the spreadsheet.

Please also note that Paypal transfer takes about 1 - 5 days to be received. This can cause the amount to increase and payment of loan to be delayed.

Feel free to comment or ask questions. I can be contacted through email [email protected] or whatsapp at +62 821-3548-2825. Thank you so much for all your support.

Note: As my personal information has been compromised, I made all necessary arrangements to make this page private. Only those receiving the link can access this page.