I have debts of about Dh130,000. I have two credit cards, both of which have been maxed; there is a Dh10,000 limit on one and Dh40,000 with another. Then I also have an Dh80,000 loan with a bank, which I have paid for almost a year now. I am only earning a monthly salary of Dh5,000 and have been really struggling to repay all my debts. I have already flunked two months of payment on one of the credit cards and have been sent an email about a police case. I stopped answering calls because it was destroying my peace of mind. I have just been piling up my debts even more as I have been borrowing from friends as well to get by. I cannot sleep at night and am haunted by this financial problem. I am full of regret on how I am not able to manag…
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