How to manage Fear and Anxiety
Hi, I just made the decision to stop tapal method and only pay the debt that I can. However, while drafting email to inform the apps/companies that I will not be able to pay on time or I will have a difficulty in paying, I feel fear and anxiety.
I haven't send the email yet sa apps na madedelay ako ng bayad since I am planning to send it closer sa due dates. ALSO, I AM STILL PLANNING TO PAY THEM EVENTUALLY AT HINDI KO TATAKBUHAN.
Natatakot ako na baka malaman ng ibang tao, family and even sa work, maharass through text, calls and even email, mapost publicly sa socmed, and especially magkaroon ng bad records which can make it difficult na magborrow incase of emergency lalo na senior na parents ko.
I know I made bad decisions and I am paying the consequences of that, pero I am still praying na one day magstop to. I am trying not to look sad outside kasi people will feel something is wrong. I feel tired and sluggish just even thinking of the due dates na incoming.
There are even times na I imagine if madedo ako, tapos na yung feeling na to but I am fighting that feeling bec. I love living and being surrounded by the people I love.
I just know that there will still people na sasabihin na kasalanan ko to kasi utang ako ng utang, or living beyond the means ako, masasabi ko lang is I know, no need na ipamukha pa sakin or to the people experiencing similar. Either wala talaga kayong empathy, agents kayo, or bored lang kayo.
I will try to deadma any harassment calls or text in the future but thinking of receiving them is still scary and give me anxiety.
And I know din na if ever collection agents give dead threats, call other people beside reference contact, or harass ng sobra to the point of public shaming, is to inform govt. agencies and don't pay muna. Kaso I fear that some of these apps report to CICC kaya despite these fear of threats I still plan to pay them.
Sorry sa long post. To people na experiencing similar or just finished this situation of their life, ano advise niyo please.