Gender: MaleSubmitted on 15 July 2026 at 3:38 pm
I am trapped in a cycle of debt and empty promises
Here's the English translation: Hi everyone. I’m a 35-year-old man, and I urgently need some advice. Please don’t make fun of me—I’m going through a really difficult situation. Imagine you were in my place. By this evening , I have to pay my landlord. If I don’t, he starts emotionally pressuring me and keeps demanding that pay by the next morning. There’s another person I borrowed a small amount of money from. Unfortunately, I don’t know why he suddenly needs it so urgently, but for the last three days he has been asking me to return it by tomorrow. Then there’s a third lender who genuinely helped me during my bad times. His financial situation is also tight now, and I can’t even answer him properly anymore. I asked a friend for help. He said, “Okay, I’ll arrange something,” but after that he hasn’t even replied to my messages. The same thing happened with three or four other people—they gave me hope but now they don’t even open my messages. I’m already struggling just to cover my family’s daily expenses. Because I have been doing odd jobs since few months If I don’t pay these three people, they keep calling me repeatedly. One of my biggest mistakes is that even when I have no real hope of arranging money, I still give people my word that I’ll pay. Now I’m trapped because of that habit. I can’t delay payments for long. Even if I do, it’s usually only for half a day or one day. I don’t own anything that I can sell to raise money. Otherwise, I would have done that already. The constant phone calls make me anxious because I never know what to say. Since last night, I’ve been asking everyone I know if they could lend me some money so I could repay these people, but I’ve received no positive response. I even asked people I normally wouldn’t ask. Their replies were what I expected: “I just helped someone else yesterday,” “I have EMIs to pay,” and similar reasons. Some of my cousins are financially well-off, but they probably think, “Why should we lend money and take on stress?” That’s their personal choice, and I can’t force anyone. Still, asking for help and being turned down feels humiliating and embarrassing. If I switch off my phone, the creditors come to my house and call out for me. If I don’t answer, they keep calling continuously. Out of panic, I end up saying, “I’ll arrange it by this evening,” even when I know I can’t. That’s the state I’m in. None of these people are willing to wait for a long time. The problem is that I earn slowly, and it takes me about a month to repay them. These are all small loans individually, but together they become difficult to manage while also running my household. So please tell me—if you were in my situation, how would you get out of this? Please, brothers, don’t make fun of me. I genuinely need practical advice.
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💬 Comments (11)
Anonymous19 July 2026 at 5:08 pm
In case if you have any jewels, pledge it and repay the loan. If you don't have, talk to them clearly by explaining your situation and ask for few more days with some exact date you can repay. If you lie to them, they lose trust in you. You can ask your parents or siblings to support you...you can get personal loans too with high interest rates.
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Anonymous19 July 2026 at 7:47 pm
One suggestion that may help. A client I know was trapped in debt and kept making payment promises he couldn't keep. Last week something impressive he did. Met his suppliers in person, honestly explained his situation, and shared his recovery plan. Instead of getting angry, one of the lender gave him some time and even offered practical advice on managing his business and repayments. If you're in a similar situation, don't avoid your lenders. Talk to them honestly. Even if you can pay only a small amount, pay something regularly. It builds trust and reduces pressure. Also, avoid spending on anything that's not absolutely necessary until you get back on track. Ignore this if it doesn't help you, but I hope it helps someone.
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Anonymous21 July 2026 at 6:58 pm
First of all I want to know the core reason of your debts then I'll try to figure out how u can be debt free by some financial planning You explained everything but didn't wrote anything about how you are stuck in this debt trap. I was also trapped in this but now I'm clearing my debts properly and easily My problem was that I was stuck in FnO trading Aaj loss hua kal kisi aur se paisa uthaya previous plan repay nhi kiya and then fir se FnO me lga diya fir wahi loss kiya fir se recovery plan me fass k same chutiyapa kiya So first of all tell us about how you're in so much debts.
Anonymous22 July 2026 at 11:31 am
I had worst situation in debt.. paying multiple credit card .. had worst nightmare.. and finally I took single loan and paid and multiple individual loans. Now I have single emi only .. 5th of every month paying the emi and .. spending the whatever amount left in the salary for rest of the month
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Anonymous20 July 2026 at 9:51 am
Go to them personally and explain your sitatuion and how u can pay them. They will definetely wait. Dnt ask others it will make u feel shame and guilt. Let the person u owe money gives you the time.
Anonymous21 July 2026 at 3:11 am
Bro if u can manage the pay at month end from your salary then personally talk to them. Other solution is you take a personal loan through known application as per your cibil like airtel,cred,paytm etc in that case their is no requirement of much documents.. You strictly take loan of that amount which u want to repay and your month can move peacefully. Start strategising on payments and not to take your cibil in bad position and try to pay loan in advance. With this u can handle current situation and you have little time to explore further options. Start doing hustle like zomato food delivery or porter for the time being uhh repay your personal loan. Borrowing is a vicious cycle and i dont encourage for loan but thats the remedy for the moment
Anonymous21 July 2026 at 8:24 am
At this point, even your phone gets anxious when it starts ringing. 🐀
Anonymous21 July 2026 at 2:42 pm
Sorry but I don't think there's any way out of this. My husband has been doing this for the last 4 years. And it's very frustrating. I have taken loans on my mother's jewellery because of his fake promises and the condition today is I don't have a penny in my account. No body to help and a child to raise and no job. But if you are working, try to talk to lenders and pay them with proper strategy so that everyone gets some amount if not full payment at once.
Anonymous19 July 2026 at 9:10 pm
Follow Dave Ramsey
Anonymous19 July 2026 at 6:46 pm
Your solution lies in the question: 1. Why have you repeatedly needed the loans; 2. How much is the loan; 3. What is the interest rate (if any) This is most important; 4. How much are you earning now? 5. Any ways to explore augmenting your income. Respond to this, then we can prepare a plan to help you get out of this. You may also DM or ask the admin to tag me in your next confession response, I'll be happy to help.
Anonymous19 July 2026 at 4:58 pm
1.As amount is not big and you need a month to cover, communicate clearly to them. 2.Also, ask for advanced salary if your organisation allows. 3. Work in double shifts.
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