u/chiku13_

28, Need advice my cc total due is around 15-16 lakhs, personal loans around 20 lakhs. 1.5-2lakhs emi, No income, made money in online business lost most of it in trading have one asset commerical under construction virtual food court but will take time to sell 1-2 years. Was taking loans to pay off emis till now, roating cc, paying only minimum dues of card, but can’t sustain this anymore. Need exact mindset to handle this situation and what to do. There are times when i just get very anxious not knowing what to do next. Would be really grateful if you can guide me with the process and best way out of this situation.

Would really appreciate if people who have gone through the process guide me with the right mindset and tools.

28, Need advice my cc total due is around 15-16 lakhs, personal loans around 20 lakhs. 1.5-2lakhs emi, No income, made money in online business lost most of it in trading have one asset commerical under construction virtual food court but will take time to sell 1-2 years. Was taking loans to pay off emis till now, roating cc, paying only minimum dues of card, but can’t sustain this anymore. Need exact mindset to handle this situation and what to do. There are times when i just get very anxious not knowing what to do next. Would be really grateful if you can guide me with the process and best way out of this situation.