I'm Overdue, I can't stay in Tapal system, I'm so stress and exhausted already.
29F, hi, just need your advice everyone, as a breadwinner and a average I can't catch up the multiple dues payment and I want to stop doing the patching/tapal system, it leads me drown deeper to debt which I am has gotten worse, stress and I can't even concentrate. Can you please advise me what to do, your advice is much appreciated.
I got loaned from this bank and Olas
CIMB - 175k (interest included) OD for 5 days
Skyro- 96k (interest included) OD for 5 days
Juan hand- 82k(interest included) due on a July 7
Money Cat- 19500 now accumulated to 31864 due to penalty, due last May 28
Tala- 17600- due on July 15
Gcash loan- 13800- (interest included) due on July 11
Ft lending - 9500k due yesterday and they're sending threat messages like they will contact or post me and connect with Pag big,SSS and Philhealth
Peramoo - 32500 due today. And receive threat to if not they contact my contact list or family or colleagues
Aquitances -75k due every 15th)
I really don't know what to do, I don't have any vices but due to the tapal system and I continuously send money to my parents because they're old, helping my siblings now I got drowned in debt. I can't talk to them either with my situation. Give me some advice please. I'm down right now though I read some confessions here too but stil my anxiety, stress and overthinking attacks me.
Should I send them an email? what about HV and if it's submitted to the third party will I get jailed for this? I'm planning to pay them because it's my responsibility but now I just can't because I don't have money to pay anymore and sincerely wanted to stop the patching system.
Please advice me,🥺🥺🥺🙏