Loser
 

I have nowhere to vent myself. Been a loser thruout my 40yrs of life.

Cannot achieve anything. Didnt treasure what i have and lost everything..

Owe legal moneylender and trying so hard to pay everymonth..

Im not here to borrow money but just to find proper advise on this matter.

Is there any agency that help to consolidate debts for moneylender?

Thanks in advance for any kind advice.

Re: Loser
 

prayers is the best solution.

Re: Loser
 

Thanks alot 😌

Re: Loser
 

Bro,
Sorry to hear of your current status. I think consolidating your debt and agreeing a sustainable payment plan is the first step towards solving your problem.
Once you do that and feel that you are able to slowly pay off the debtors, you will feel less stress. The next step, if you have the energy and time, do find a sideline job. Something that can develop into your main income stream in the future. It can be things like Property/insurance Agent, night tuition, swimming/sport classes etc. Do not give up your current job until your sideline is well developed and provide good income.
The impt factor is your drive and determination to get out of the current crisis. Do not go for quick get rich schemes as they tend to be unrealistic or even worse, scams. Get busy and stay out of more trouble. Slowly things will turn better.
Best of luck.

Re: Loser
 

Check out silver lining. Speak to them

Re: Loser
 

Thank you bro for your kind advice

Re: Loser
 

Thank you bro for your kind advice

Re: Loser
 

Hi bro LM,

I feel you as I've been there, done that.. You need to keep it in check and have pure determination to tide it through as it will be a rough 7-10 years on out at least. Check out the following to have some plan towards it: -

https://www.abs.org.sg/consumer-bank...olidation-plan
https://www.singsaver.com.sg/persona...-consolidation

Peace bro..

Re: Loser
 

mate, don't get depressed

40s? still healthy? still got a breath?

you can pick yourself up.

Life is not over. Jiayou...

Re: Loser
 

you have a huge debt, no money but lot of time.

Cut down all your time on all activities that dont generate income or worst still spending. Convert these time to cash by taking up part time work

Re: Loser
 

Thank you bro for your kind advce. I dont think im qualify to all this insitution. But im stil grateful for your advice.

Re: Loser
 

I understand bro, im trying very hard.. to not get depress and trying to solve my prob. Thank you bro.

Re: Loser
 

Thank you bro..

Re: Loser
 

Credit Counselling Singapore. https://ccs.org.sg/

If the amount is too big, consider going bankrupt. May be able to restart your life faster than just paying monthly.

Re: Loser
 

Bro

Alot of us have and will been thru tough patches.

By trying to rectify the problem in a legal and proper manner, you are already a winner.