Need your Help

Hello to good and kind hearted people of Singapore and the world,

I never done this before but this is a last resort to ask for help as I in dire need of money.I came from a single and not well-being family in Malaysia. My family is in Malaysia while I came alone to Singapore to work to support them.Due to CoVid -19 my father aged of 70 years old has lost his job and my brother has been left behind with a 3years old son and whole lot of debts by his cheating wife.

Few years back, in order to better the live of my aging father, I bought a house in the outskirts of KL, taking a bank loan and the repayment has proved to be way out of my abilities to cover, which I didn’t think through at that point of time. I made the decision to purchase the house out of pure heart of wanting to be filial towards my father.

I am not a highly educated person and my monthly salary is $2.5k ,of which , I spent $1650 on the monthly bank loan, insurance ( myself and my father) and my father’s monthly allowance, $100 on phone bill,$550 for monthly room rental.After deducting CPF, I left with a mere of $75.00 a month. Because of the circumstances, I have borrowed money from some friends to help my family tide through this difficult time. However, I unable to pay off my friends now, who has been hounding me to pay them back immediately. I tried to find a night part time job however it turned out to be a scam. I tried many ways to find more money but to no avail …lady luck is not on my side since my mother left me.

The alternative is to default payment to the Malaysia bank and allow them to take back the house but this would mean I have to declare bankruptcy and leave Singapore, which would eat up my conscience of not being able to repay my debts in Singapore and will forever live in guilt…I really feel stressful and unable to sleep and eat as I keep thinking about this issue …

I feel like I am letting everyone down and life is not worth living anymore and makes everyone so disappointing on me. I been thinking of taking the easy way out to pay all the money I owed my friends and solve my family financial issue -suicide, so that my insurance payout can be used to repay the loans and provide a ‘better life’ for my family.

I beg to all you kind people who are reading this, you could be the glimmer of hope in this difficult time, please help me.