u/73J4S

Past few years I’ve been struggling with repayment of loans that were originally taken for medical bills in 2021. My father had no health insurance despite me asking him multiple times to get one, and during the emergency I ended up using my credit card and micro-loan apps like Cred and Lazypay to cover hospital payments as well as household expenses.

The amounts were:

• Credit Card: INR 93,000
• Cred: INR 32,000
• Lazypay: INR 28,000

Total: INR 1.57 lakh

At the time I was freelancing as a 3D artist, and I’ve continued trying to survive through freelance work since I still haven’t been able to secure a stable full-time job. Initially I managed to keep the accounts alive by repaying portions and then reusing the available credit for household expenses, bills, and essentials. Eventually my income dropped to a point where I couldn’t even maintain the minimum cycle and I defaulted.

At the same time, there has been an ongoing attempt to sell my grandfather’s house so I could clear all dues properly in one go, but the sale has been delayed due to unresolved property-related issues.

After my grandfather passed away, I also had to relocate to his house to cut down on rent and living costs. Right now I’m the sole earning member of the household and I genuinely do not have assets or immediate funds that can cover the full amount in one shot.

Yesterday, the credit card company contacted me and indicated they had tracked down my current address and said a collection agent may visit within a week if payment isn’t made. I neither confirmed nor denied the address at the time.

I’m not refusing to pay and I’m not trying to run away from the debt. I simply do not have the ability to clear the full amount immediately. I’ve tried asking for support and repayment flexibility, but they are insisting on full settlement instead of partial payments.

At this point I’m honestly trying to understand what options I still have left and how to handle this situation properly without things escalating further.