I'm scared
I never thought I’d be writing something like this, but I honestly don’t know what to do.
I got trapped in online lending apps and the debt just kept snowballing. At first I thought I could manage it, but the interest, penalties, and constant pressure completely buried me financially.
Because of this, I haven’t been able to pay our rent for 3 months. Every peso I get goes to debt payments, diapers, milk, food, and basic needs for my baby.
Now we’re at risk of becoming homeless very soon.
What scares me the most isn’t even me—it’s my son (8 months old) We live in the Philippines, and the heat here is unbearable. I’m terrified of what will happen to him if we lose our place and have nowhere safe to stay.
Before anyone asks, no, I can’t ask help from my family. We’re not on good terms, and that door is basically closed for me.
I know I made bad financial decisions, and I live with that every day. I’m not here to avoid accountability. I’m just exhausted, scared, and trying to keep my child safe.
If anyone here has been through debt from online lending apps, housing insecurity, or knows any resources in the Philippines, I would really appreciate advice.
Please be kind. I’m already trying my best to survive this.