I AM FROM KOLKATA INDIA

I KNOW IT IS PROBABLY VERY UNNATURAL TO POST A REQUEST LIKE THIS, BUT I AM HELPLESS AND I AM WRITING TO AS MANY AS I CAN. I CAME ACROSS TO KNOW OF THIS PLATFORM AND DECIDED THAT EVEN THOUGH I AM JUST AN INDIVIDUAL BUSINESSMAN I BELIEVE THAT MAY BE HERE PEOPLE WOULD HEAR ME AND UNDERSTAND WHAT I AM GOING THROUGH.

I HAVE BELONGED TO THE MIDDLE CLASS COMMUNITY SINCE BIRTH. MY FATHER ASSOCIATED WITH A BANK AND MY MOTHER A HOUSE WIFE. IN LIFE WE DID FINE, JUST LIKE A NORMAL FAMILY WE LIVED AND TOOK LOANS TO FULFILL OUR DREAMS AND REPAYED THEM. MY ELDER BROTHER IS A PATIENT OF CEREBRAL PALSY, HE HAD BEEN LIKE THAT SINCE BIRTH. DUE TO WHICH THERE WERE ALWAYS CERTAIN INSECURITIES IN MY PARENTS AND THEY ASKED ME NOT TO PURSUE STUDIES AS THAT WOULD TAKE ME OUT OF TOWN AND LIKE THAT I WOULD BE DISTANCED AND THEY FEARED OF BEING LEFT ALONE WITH THEIR OTHER CHILD. I COMPLETED MY GRADUATION AND GOT INTO A RETAIL BUSINESS SO THAT I COULD LIVE WITH MY FAMILY AND SUPPORT THEM AND MY BROTHER COULD ALSO SIT IN MY OWN SHOP DAILY, SO THAT HE NEVER FELT LEFT ALONE.

ALL THIS WAS GOING FINE SINCE I STARTED IN 2008. TWO YEARS BACK I THOUGHT OF GETTING MY OWN SHOP AS THE PREVIOUS ONE WAS RENTED AND ALSO A HOUSE. AS MY CREDITS WERE FINE IN 2016 THE BANKS OFFERED ME LOAN AND I MOVED FORWARD WITH IT AND GOT IT DONE INVESTING ALL MY SAVINGS AND TAKING LOAN FOR THE REST.

I AM IN THE PAINT BUSINESS. I HAVE A RETAIL SHOP AND MY HOUSE IS JUST ABOVE IT. AFTER NOVEMBER 2016 BUSINESS STARTED TO SUFFER DUE TO MARKET CONDITIONS, TO PULL THROUGH THE HEAVY EMI'S I DEPLETED MY WORKING CAPITAL, MAXED OUT MY CREDIT CARDS AND SPENT EVERY PENNY OF MY SAVINGS. BUSINESS IS SUFFERING DUE TO IT AND ALSO I AM FALLING BEHIND IN PAYMENTS. I HAVE TRIED IN SEVERAL BANKS FOR CREDIT RESTRUCTURING BUT I RECEIVED HELP FROM NONE.

WHAT FEARS ME THE MOST IS THAT MY FAILURE WILL EFFECT DIRECTLY TO MY FAMILY, MY BROTHER WHO TOTALLY DEPENDS ON ME. DUE TO THE FINANCIAL CRUNCH I AM NOT BEING ABLE TO INVEST IN MY BUSINESS TO TAKE IT AHEAD OR REPAY MY LOANS DUE TO NO INCOME. MY EMI'S ARE EATING AWAY MY CAPITAL. I AM AT A TOTAL LOSS FAILING IN BOTH WAYS.

I FEAR TO BE LEFT WITHOUT A ROOF ON OUR HEAD. AND NO INCOME AS I AM LEFT WITH ZERO CAPITAL.

I EARNESTLY REQUEST YOU TO HELP ME GET BACK UP ON MY FEET. AS I AM TURNED AWAY FROM EVERY WAY POSSIBLE, I EARNESTLY REQUIRE HELP SO THAT I CAN PAY OFF MY MORTGAGE AND RESTRUCTURE MY BUSINESS. AS I CAN SEE IF I DO NOT PAY OFF MY LOANS I WILL NOT BE ABLE TO MAKE ANYTHING.

I WOULD BE REALLY GRATEFUL IF YOU COULD HELP ME OUT. I AM IN NEED OF $200,000 FOR MAKING MY MORTGAGE PAYMENTS. FOR MYSELF, MY FAMILY AND MY BROTHER.

REGARDS