Help Me To Get Out of HELL

Hello All,

I am SANDEEP from India, I would request people of this earth to help me get rid of / out of being in this hell called DEBT. I am 34 Years old & am from the silicon city of India, Bangalore.

Life was good until 12 years back & after that it has drastically changed to bad or rather worse with the decision i took 12 years back that to become an entrepreneur. I did various types of business but could not succeed in any of that. Though my family was against my decision of doing business still i continued the same as it was my dream to become a successful businessmen.

Later they got convinced & started to realize my dream and even they also started supporting me, but due to me being over confident, irresponsible, lack of proper planning i started getting failures in each and every step after that. I winded up one business and started trying one after the other business but everywhere i failed and that is mainly because of no proper working capital. Then i started borrowing money from family, relatives and friends for interest telling that i need money for business. I sincerely started to plan the things but my time & fate was very bad that i got struck with unnecessary expenditures and the most of the expense was paying interest for the money that i borrowed from my family, friends and relatives.

After this my financial situation got into the worst state, for paying one persons interest i had to borrow money from other and to pay the other one i borrowed from one more like this it continued for the rest of my life. In between i had to take care of Expenses like : House Rent, Medical bills, Grocery, Fuel, Electricity, phone bills, car loan, personal loan, hand loan and lot more. After that i got married and the expenses got doubled. My wife works in a company and she earns some money so that she can at least support me by taking care of some of the house expenses and later my wife gave birth to a baby girl and now the responsibility and expenses are increased one more fold. I started using credit cards and utilized it to fullest and then when the time came to repay the bill i failed in the commitment and also started missing to pay the loan emi,House Rent & then the dues got increased, everyone started to ask their hard earned money back, but i was not in a position to repay the amount nor to pay their pending interests.

People started scolding me, threatening me, they started to come to my house & humiliate me in front of my family and neighbors, they pressurized me, and some financiers tortured my emotionally, mentally and physically as well, 3 of them cheated me of 2500$. Now my credit ratings and credit history is damaged, i cant take any more loans but still i had to do something and repay the debts and repair my life and credit ratings.

That is when i decided that enough is enough and i have to live a happy life like everybody else out there living happily with their family and friends.So i decided to look for a job & earn some money so that i can plan and repay the debts. Now i have joined for a job in Pvt Ltd company and earning some income but that is not at all sufficient and sometimes they don't give salary properly on time and more over i am getting lot of pressures from everybody,

I cant even take loan and clear those debts since my credit rating is very bad and to improve that i need to settle the credit card dues but again for that i don't have money and for that i need 2000$ and apart from that i need to clear some of the peoples hand loan which most of them are of family members, which they are torturing me and showing me the hell everyday and for that i need another 3000$ so totally i am in need of 5000$ to get rid of the debt and live my life happily with my family and i want to rebuild the trust & faith of my friends, relatives and family members and also my credit ratings.

This story might be long to read, but what ever i have mentioned here is completely true and hope i will get help from the fellow human beings.