Please Help Jun Clear Their Debt (EXTENDED!)

I'm Jun Noire, and I've been in serious debt since December 2019.

Despite momentarily getting a job in October 2019, one of my family members used me for a loan I couldn't pay back and it's greatly affected my mental health because I knew it would take forever to pay all of it back. But the bank cannot wait that long, and I definitely cannot pay all of that back, not with what's left of me right now.

Unfortunately, I got laid off in January 2020 and I have been desperately looking for a new job as well as other ways to earn. Sadly, I don't have much luck, especially since the pandemic and lockdown has driven employers and employees alike to adapt to the "work at home" mode. The fact that competition is stiff and employer standards are ridiculously high, it's taken an even greater toll on my fragile mental health condition, even though I am taking my meds regularly, eating well, and getting enough exercise.

I may have taken better of myself in the past few weeks, and resumed job-hunting, but the debt will not wait for me and needs to be paid as soon as possible. The bank mentioned that it wouldn't charge me monthly due to the pandemic, but I don't think they kept their word with how they just decided to ask me for a large sum of money upfront.

As of July 22, 2020

I may not have raised enough for my main debt, but I was able to pay off my dues on the Tala loan app! That may not sound like much, but it's one more worry off my list. Thank you so much!

However, the bank debt is still there and tacked on another installment and I still have no luck with job hunting. Even if I do land a job soon, not even a month's paycheck would be able to cover it, as the previous job I had paid me Php 15,000/$304 (USD) and I don't think the next job I might be able to land would go any higher than that. Fortunately, I found a way to get Php7,000/$142 (USD) off my current billing but that won't be enough for what the bank needs from me.

All I'm asking for now is Php 23,280.17/ $472 (USD) by August 5, since Paypal now takes me 3 working days to process bank transfers instead of the usual 2 days due to the pandemic.

$165 was used to pay my Tala loan, and $484 will go towards the current billing plus the transaction/processing fees that might occur.

That puts the current tally at $0/484 again!

Even if you can't chip in, sharing my fundraiser is highly appreciated!

Old information saved for archive and viewing purposes

Here's proof of my debts at the moment, but it's more important for me to clear the Php 24,000/$ 484 (USD). I've rounded the minimum funds to Php 25,500/$515 (USD) since Paypal and my bank will deduct processing and add on even more late fees. The deadline for me to clear my debt is on July 15th as negotiated with the collector who came to talk to me, but I've set it to July 13th since Paypal takes 2 business days to transfer the funds to my bank account.

Additionally, I've had another outstanding loan of Php 8,000/$ 141 (USD) with this loan app in my country. While they were compassionate and understanding enough to have moved and extended the due date multiple times since March, I'm still unable to pay it back like with my other debt. To be honest, I've only ever used it to try to pay back my main debt. Lesson learned? Not doing this ever again.

Note: If you have suspicions about me or this fundraiser, I am ready to talk in private. I'm just observing security and privacy. And asking my relatives for help would be hypocritical given the fact that an immediate relative helped me sink lower into debt to begin with. Thank you for understanding.