[adresi12]

Hi !

I just want to keep it short.
I'm 28 years old, I could not finish university, had to drop out during the 2nd year to take care of my family.

My sister was diagnosed with brain cyst, she was taking care of our mother, so that I could finish uni. She did not tell me that she had to take loans to pay for medical bills.
My mother can't get out of bed, can't take care of herself.

Before all this my brother was helping with everything, he passed away when I was 16, and since I was 17 years old I had to work, to help my family and provide for myself.
After my sister was diagnosed and lost her job, everything was on my shoulders and is to this very day. First I had to provide for them, and pay my sister loans, then I had to take loans myself to pay for private doctor visits, bribes to even get my sister / mother into the hospital when there was an emergency.

Right now me and my sister collectively own 85,000$ to various banks, and 80% of this debt are medical bills, or things that are related to my mother and sister health issues.

I even got a second job, I'm working nearly 24/7, weekends, nights, everything I earn goes to them, I've been eating out of dumpsters, saving every penny for them. But I can't make it. Tomorrow I'll have to pay 5000$ to two banks, and I can't postpone it any longer.

I tried to look for help from government and private institutions, crowdfunding. I even filed for bankruptcy, but my request was denied. I've been diagnosed with depression, and anxiety, I tried to take my life once already, and I just can't take it any more, I'm vomiting and having nosebleeds, and I can't think clearly anymore.

Obviously, the loans and my currect situation is not because of some otherworldly power, I've made a lot of mistakes along the way, I was acting out of emotions, trying to help them anyway I can, and now I'm facing the consequences.

Is there a way I can get out of this, or is it the end of the rope for me ? I've no ideas.

 

[mikromiles]

Thanks for this interesting question.

 

[brenda67]

Hello..I would look into another bankruptcy company there is no way they can deny you unless it’s student loan debt period.

 

[meredith1629]

Bless your heart! Honey, you have been through it and did the best you could with what you had. I would advise you seeking some other counsel about bankruptcy. From my understanding, only student loans are exempt from bankruptcy.

 

[Contrary Housewife]

You say your sister and mother are sick and unable to work. Is there any assistance or charity that will help them? I don't know what country you're in but many religious groups will provide food and help with medicine or doctors. Ask everywhere, every little bit will help. Use your phone or computer to search for what is available near you.

 

[Spirit Deer]

I would seek legal advice so you have accurate information for your area. Our laws are probably quite different than ours.

Do not give up. It's difficult, but things will get better.

I know you're going through a lot now, and the chaos in your country only adds to your own problems. I hope you can find a way to begin dealing with your financial difficulties.

 

[EmilyB]

Hi, you've been through a lot and it sounds like you did absolutely everything to improve your situation. I just wanted to see where you're at now. Is it all working out? You seem very proactive, so I really hope things have got better for you. Did you manage to find any support?