Please help…

Hello. Greetings to you and your family. I hope this email finds you well.

My name is Charlene and I'm from the Philippines. I am working as a Virtual Assistant. With my job, I was able to get by. I used to earn enough to pay for my bills, food, and loans(these loans are of my parents but I am the one paying because their business closed due to bankruptcy.)

But ever since the pandemic started, most of the clients I have scaled-down and had to let me go. I recently moved to a smaller apartment to fit my budget but my bigger problem right now is the bank loans. Every month, the monthly due date comes, I have panic attacks because of this. I rack my brains out on how to pay them, I have sent countless proposals and resumes to potential clients to earn more but I feel like I run out of luck. I also started selling tutorial courses for virtual assistants but it is still not enough to help me pay the loans. My earnings can only accommodate one of these things right now. If I pay the bank for the loans, I don't have enough for rent. If I pay rent, I don't have enough to pay the bank. As you know, if I am not able to pay my loans, the debt will increase more due to interest and penalties :(

I am currently Php 250,000 ($5250) in debt. I know everyone is having a hard time right now and I really wish I didn't have to do this. But if you have any amount to spare, I would really appreciate it a lot.

Thank you for taking the time to read and helping.

Sincerely,

Charlene