I don’t want pity. Just someone to hear me.

Debt collectors are threatening my family.
I’m trying everything — writing, working, asking.
Nothing works.

I’m holding on by a thread.
I write horror stories, but real life is worse.
Ko-fi is in my bio, but even a kind word helps.

  • LumpyPancakes@lemm.ee
    0·
    22 days ago

    In Australia we have a thing called a part 9 debt agreement. If you enter into one of those it’s an ‘act of bankruptcy’ but you have an agreement with creditors to pay them off over a long period and potentially without interest.

    Once in an agreement I believe they must stop hassling you.

    Source: had one 20+ years ago.

    I could have gone bankrupt instead, but it wasn’t fair to the people who I owed money to.

      • LumpyPancakes@lemm.ee
        0·
        22 days ago

        Thanks :)

        Had a tricky patch in life. Recovered. I remember the calls and letters from that time, and the relief of finding a way out. Not sure if it can help OP, but hope there’s something similar available today.