As you can see from the title, my concern is debt.
It all started 4 years ago when I got together with my then friend (now ex).
I took on loads of things for him at various companies, Otto Klarna, etc
Small credit institutes and small instant loans.
In any case, until last year February it was almost 13000 euro that I had open guessing loans etc.
As of today, there are still 6,000.
Have for me and my ex furniture clothes vacations and other things. Had my own apartment which I also renovated at his request.
I gave him almost 3500 euro (which I took from small lenders) because he was in training and didn't get any.
For car repairs cellphone laptop.
In any case, he then separated and moved to his parents abroad, and I saw nothing of the money.
In any case, I can no longer pay my bills because I lost my job thanks to Corona and the one credit institute now wants 2000 euro.
How should I proceed to get everything under control?
So first: blame yourself. You were too naive and acted stupid.
you now have to deal with the bank and tell them that you are looking for a job. Then you will probably charge interest and you can continue to pay if you have a job
in short: get yourself a job and pay off the debts and don't make any new ones
You are deeply in debt. I recommend that you contact a debt counseling center, as they can work with you to find a way to get out of your debt or to create a payment plan.
Possibly. You are also advised to provide property information.
Yes, I'm also aware of that.
My parents died in a car accident at the time and he was always there for me during that time. That's why I trusted blindly and could always rely on him…
I'm really sorry for you!
stay strong and keep fighting. Soon you will be debt free and can start again. Maybe with a new partner who will support you then
How is that meant? So when I go to a consultation what am I told there? Because my guesses I have. So I have to pay it will not help me if I make a plan with them, I know when and how much is always debited.
Yes, but apparently you are facing bankruptcy. You are apparently no longer able to change your monthly To meet payment obligations. There you will also be given advice on the topic of insolvency and whether it might not be worthwhile in your case to provide the property information.
Under no circumstances do I want to register for bankruptcy. I managed to pay over 7000 euro only now with Corona and because of the work. I'm now 26 years old and I do not want to apply for 100% bankruptcy.
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