Dear Sir,
I lost my job 4 months back and still trying hard to get a job.
I am a graduate from a reputed college in India and had been working in an MNC recently.
I have a good record of making Credit Card payments in last 6 years. In fact, I have never delayed or failed in making card payments till I was in a job.
However, all of sudden, an elder family member needed to be treated medically and I spent all of my money in her medical treatment. In the process, I was absent from job for 2 months and then I lost my job as well.
I don't have any sort of money as of now. In last 4 months, I have been receving lot of calls from Credit card companies to pay my dues. I have mentioned all my reasons to them. I am a bachelor and I don't possess any asset. I live in a rented place and all these years, I have supported my parents from whatever I earned.
I accept that I made terrible mistakes; as I did some over-expenditure recently; but I always thought of paying that considering my earning capability. However "saari musbatein ek saath aa gayi hain mujh par."
I have all the intentions of making my credit card payments including all the fines and interests. However I need to get a job and start earning.
But the big problem is, Credit Card company guys have been telling me, that they will report my dues to CIBIL and they can even make it difficult for me to get a job, if I don't pay their money. All I could tell them that I can pay their money only when I get a job and start earning. How can I pay their money, if I don't have it.
All I want is, I need some time from Banks, so that...as soon as I get a job and start earning, I will start paying their dues.
Kindly provide your valuable advice in this matter and suggest me the best possible way, so that I can stop my life to be ruined.
Warm Regards.
