Over time, due to multiple loans, overdues, financial pressure, and increasing repayment burdens, my situation has gone completely out of control. What initially started as small borrowings gradually became a serious debt trap that I am now struggling to come out of.

As repayments started getting delayed, penalties and additional charges kept increasing continuously. In desperation to manage previous dues and avoid defaults, I also took payday loans with extremely high interest rates — in some cases nearly 1% daily interest along with heavy penalties and charges. Instead of helping, this made the situation worse every single month.

To somehow survive and manage repayments, I borrowed money from friends and relatives as well. Today, I am under pressure not only from lenders and recovery agents, but also because I have still not been able to return the money taken from people close to me who trusted and supported me during difficult times.

For the last 4 months, I have been facing constant harassment and mental pressure due to overdue loans and repayment demands. I receive repeated collection calls throughout the day from multiple numbers. The continuous pressure, threatening language, humiliation, and fear have affected my mental peace badly.

Despite explaining my situation repeatedly, the harassment has continued. I even raised complaints regarding the recovery harassment with RBI against some of these loan-related entities. However, the matter was eventually closed after only a simple warning was reportedly issued to the associated parties, and unfortunately the collection calls and pressure started again afterward.

Every day has become emotionally exhausting. I wake up worried about calls, repayments, penalties, and how I will manage the next demand. The stress and anxiety from this situation have become unbearable.

I want to make one thing clear — I am not trying to avoid responsibility or run away from my obligations. I genuinely want to clear all my dues honestly and come out of this difficult phase with dignity. I can provide loan-related documents, overdue details, repayment screenshots, complaint references, and other proof for complete transparency to anyone who wishes to verify my situation.

At this stage, I sincerely need support to close these urgent loans and reduce the financial and mental burden that has taken over my life. My only goal is to become financially stable again, clear my dues, and restart my life peacefully.

Any contribution, no matter how small, would help me move one step closer to recovery. Even sharing this fundraiser with others would mean a lot to me.

Thank you from the bottom of my heart for reading my story, understanding my situation, and supporting me during this difficult time.

With gratitude,

Atul Dalvi