My financial conditions are very poor from last few months,I have job,I had taken personal loan and 2 credit cards, but emi is more than my salary from starting I paid emi and minimum dues on time,but from last 5-6 months I am unable to pay my emis on time,what should I do.every day many calls from bank are coming on my phone,I am getting very much affraid while taking their phone,they don't understand anybody's problem just asking to pay money,it is very difficult for me now to Deal with multiple emi' persons making to much problem,my credit score is not good.i tried many times now for another personal loan,but all rejected,I desperately for some help to come out of dept trap,my financial situation is not good,I need money for my daughter treatment also,but at present I am very helpless,what should I do.i am very much in depression.How to come out of this.please give me suggestions,help me,give me any solutions.
Our Experts

Sucheta Dalal Trustee - Moneylife Foundation

Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank

R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.

Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues

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