#debtrecovery

if you're drowning in credit card debt, your issuer might be willing to help.

most people don't know this because issuers don't advertise their hardship programs. but if you write a clear, formal letter explaining your situation and what you're asking for, some will reduce your interest rate, waive fees, or set up a manageable payment plan.

free debt forgiveness letter template: https://creditcardwind.com/credit-card-debt-forgiveness-letter/

Debt Recovery and Legal Enforcement in India

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I'm back because I don't know where else to write and shout about the regrets I have in my life.

I don't know where else to go. In the span of 6 months, I'm drowning in debt.

Why it has come to this? Let me share my story.

I'm a sari-sari store owner, my income is not much but is livable. I can pay my dues. But when the oil crises hit, I find myself suffocating. Income is soooo low but the bills increased. I tried to work but had to stop because of my thyroid. Did an ultrasound and found out that I have 4 thyroid nodules which are all Ti-rads 5, highly suspicious for malignancy. I don't know what to do. I still continue selling but I can't pay my debts. Penalties and interests keep piling. I don't know where to turn to. My debt has already reached more than $2000. I always pray that help will come, but everyday is ticking. Help me!