I am a widow. Mother of 3 gals. My husband committed suicide 20 years ago. He was a gambler, smoker and drinker. He owed large amount of money to loan sharks and committed suicide as he fell into depression. I was left holding the responsibilities to take care of my mother, mother in law and 3 daughters. With my education level, I could only work as a general administrator and bring home $2k monthly. Time gets tougher when the 2 seniors were sick and I had to struggle with 2 jobs and at the same time to take care of my gals. All these years I have been surviving from hands to mouth. 5 years ago, my mother had a fall and injured her spine. I had to take care of her medical cost and the cost for regular therapy. That was also time when both of my daughters were pursuing their degree. As my pay do not allow me to borrow money from the bank, I had to turn to licensed money lender. Back then, government did not control the interest rate they charged which was approximately 20% per month. Without me realising, I was pulled into a life tornado. As interest started to pile, I had to borrow from another money lender to pay. This caused me to be in debt accumulated to $50K including interest. When I am not able to pay, these money lenders started to harrass me by sending demand letters to my workplace. This caused me to have a hard time at work. All promotions, increments, bonuses were all freezed. I approached welfare organisation for help and proposed paying monthly to settle the principal amount. None of the lenders are willing to accept. The welfare organisation concluded that they cannot help as my earnings are far too little to even support my family. For the next 5 years, I have been suffering from harrassment. I have reported to the authority and all they did was issuing warning letters. I was issued writ of summon 2 months ago and again I approached the authority for help. Again, I received an email suggesting me to approach welfare organisation for help.
I suddenly came across this website and thought that I could get help here. I am currently jobless. It would take time for me to get a new job especially so with my age.
After all these years of suffering, I really hope that I could lead a normal life. If only I discover such crowd funding sites years ago, I would not be suffering so much.
Your donations will be utilised to pay for legal fees as I intend to engage a lawyer to help. This will also be paid to the lenders if they are willing to settle with payment without interest