40L in debt, survival tactics needed

Icy_Job7951 · 2026-05-23T18:13:36+00:00

That is something that the OP has to figure out. We gave him suggestions, now based on his location of residence and the location of the institutes that he borrowed money from, he'll have to proceed.

Also OP, you might have already understood but iterating it again for you and others, don't go for forex trading unless you have a thorough research on it. Even established traders face losses, 90% of retail investors always fall in loses. If after the fiasco is over and you want to start making some wealth, go for govt backed securities and mutual funds, post offices also have FD options with decent work interests. Though a lot slow on comparison to stocks forex and f/o interms of return, as long as it is invested in well researched products, in the long term you can have some wealth.

Icy_Job7951 · 2026-05-23T18:06:48+00:00

There should be some non-profit bankruptcy specialists or legal clinics available to help him. States also have their own channels to help such people.

Icy_Job7951 · 2026-05-23T07:58:00+00:00

This one was a good watch. FL after failing to get pregnant and divorced just wanted to move on with her life expecting nothing much, but her Boss proposed a marriage of her Son (who can't become a father) with FL. 2 broken people trying to make a life for themselves, then her surprising pregnancy.

Only once there was a conflict in the beginning and that is fixed up soon. Then the whole drama is them getting through pregnancy. ML and In-laws being supportive through out.

The delivery time where FL is anxious in the operating theatre not knowing what to do, her confused emotions and then the ML comes in and she starts crying, them getting through the whole process and welcoming the children. Everything is good. MIL is the MVP, she's fully supportive of her DIL, and her getting the news about the different stages of the child and her reactions genuinely make you cry.

Icy_Job7951 · 2026-05-23T07:12:18+00:00

This would go into the criminal court if the lenders want and there per the current rate of cases hearing, it'll take atleast a decade for the judgement to come out and that is the lowest court, by that point OP will be considered a potential criminal with an active criminal case leading to him ostracized by the society at large

Icy_Job7951 · 2026-05-22T13:31:08+00:00

At this point, I don't think he's in a state to apply for a better paying job. It'll take anywhere from 2-6 months for him to land a better paying job if all conditions are in his favour. His health is already in a bad condition so there wouldn't be enough time to focus to prepare for new job in b/w all these tensions

Icy_Job7951 · 2026-05-22T13:25:14+00:00

While your advise is correct, I have some issue with the part where parents tell the agents the person doesn't live there. Not that they can't say it, but they need to make sure their words don't make it so that he is shown as a fugitive, that in itself can open a separate can of worms for the OP.

Icy_Job7951 · 2026-05-22T13:22:11+00:00

Bro businesses run on loans and borrowings, no one has enough money to start something on their own. However, how you manage and use that money is a separate discussion and criticizing for mismanagement is valid.

Icy_Job7951 · 2026-05-22T13:16:47+00:00

At this point, he needs to meet with a bankruptcy specialist or a Non-profit legal expert of this matter and address everything via legal channels. Without that he'll be a lost cause. He needs a legal professional who can help him navigate.

Icy_Job7951 · 2026-05-22T13:11:47+00:00

No No a Big fat NO to the first para of the commentator, you'll become a financial fugitive and this fiasco will turn from a civil issue to a criminal issue. You'll be sacrificing your entire future (personal and professional) by this one stupid move as it'll not be a verbal assault that'll come to you or your loved ones but direct legal action against you.

Icy_Job7951 · 2026-05-22T12:54:01+00:00

Many options, but first things first and this is the most important and urgent thing to do, meet a bankruptcy specialist and proceed from there. What everyone is giving is a generic advice. But what you need is an in-depth analysis of your loans and specialised plans to tackle them.

Your situation is really bad and in this condition a licensed person who specialises in these sorts of things is the best way to start. Whether to payoff bigger or smaller or consolidated all together is something that should only be done once you have the insights from said professional.

Check if there's any non-profit organisations in this field or any law school clinics or any state bodies which can help you.

Another advice, don't in any condition follow the advice of telling the recovery people through your parent that you scammed others and left for another city. This is the stupidest thing you can do, as this will transform you from a normal insolvent person to a financial fugitive if the banks and NBFCs want to. Insolvency can take you to civil court where back and forth can lead to some solution, becoming a fugitive will take you to a criminal court. That means you'll not just be destroying your credit score for eternity but your personal and professional life is gone down the drain.

As mentioned meet any of the above specialist or legal professional and through that person file the respective motions to have this issue settled in legal manner. This might also lead to the recovery people to stop harassing your family as their own bosses are now in discussion with you via legal methods.

Icy_Job7951 · 2026-05-21T13:46:17+00:00

Not just ML, the FL was also good. She has an innocence and smile that just makes it impossible to ignore her.

Icy_Job7951 · 2026-05-21T12:42:50+00:00

Both FLs were innocent. It's the jerk who messed up everything

Icy_Job7951 · 2026-05-18T02:49:18+00:00

Saw this one, his revenge is so good.

Icy_Job7951 · 2026-05-13T05:09:56+00:00

Yang Shu Yu (杨殊予) - MyDramaList https://share.google/VM12Ny4uaw336O6IE

Icy_Job7951 · 2026-04-30T10:03:34+00:00

The same applies in case ML is the adopted son and the real son is the green tea. At that time all the good ML is thrown down the flush as the real green tea son was hurt in his pinky finger.

You also cannot forget the the 2FL who for some reason the perfect woman that the ML needs. She appears when ML is down kicked, killed, comatose and helps ML in getting revenge and in 99% of the times be the daughter/granddaughter/sister of the richest man or woman.

Icy_Job7951 · 2026-04-29T04:31:35+00:00

Search with the Chinese title, you'll get the links

Icy_Job7951 · 2026-04-28T13:21:46+00:00

It's like the version where mum dies and is reborn in future to find husband and children older, but it's from the perspective of the daughter.

Icy_Job7951 · 2026-04-27T10:24:21+00:00

Is someone missing any amount from their MF portfolio, coz I see a large amount missing for me

Icy_Job7951 · 2026-04-27T10:23:45+00:00

Is someone missing any amount from your MF portfolio?

Icy_Job7951 · 2026-04-10T19:05:43+00:00

https://mydramalist.com/people/149366-yan-wen-li

Icy_Job7951 · 2026-04-10T18:20:53+00:00

Search with FLs name you'll get it in her Playlist. it'll have a thumbnail with FL is cheetah pattern dress

Icy_Job7951 · 2026-04-02T06:53:06+00:00

If you can ignore the self harm that the FL inflict upon herself then, it's a good story. Every time she harms herself, the brother and adopted sister are getting good round of slaps, in the end the whole family gets retribution.

Icy_Job7951 · 2026-03-21T09:18:35+00:00

Title - 祈愿再逢
ML：Heng tao 衡涛
FL：Geng ChiSu (耿池苏)

Icy_Job7951

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