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What would you do in my situation
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I’m (24F) recently divorced my ex husband (30M) and I’m in $230k debt. I have no stable job as of now. All criticism are welcome I just want to put this here so others can learn from my lesson and marry the right person. We have a kid together and we stay at my mum place. We were both working and I married relatively young at 22.
Everything was okay I had my own savings, I was happy. I found out after a few months my ex husband wasn’t working. He said he was going to start a new business. I took out unsecured loans for his “business” a total of $145k (I was earning 4k after CPF)
He paid the loans back slowly always on time so I thought things were going well but I didn’t know that he asked our close friends for money without me knowing.
He borrowed $43,000 from my brother to “top up” our BTO payment when we didn’t even apply for a BTO. After that I found out he also borrowed from illegal moneylenders because I’ve been receiving messages and harassment to pay $2700.
Majority of the debts comes from the fact that he borrowed money from our family and friends, the money he borrowed from our friends was his plan to scam them that he would do investments with great returns etc, he used my NRIC to create new phone lines from SingTel and StarHub (delivered to my house, so not much verification needed) then sell off the phone., he used my Grab PayLater account for his transport and it increases from there bit by bit.
He was trying to cover another hole by digging another hole and for you guys that might think why didn’t you know about all of this it’s impossible you’re his wife!
I had to quit my job because I was admitted to the hospital because my blood was toxic so I had to do kidney dialysis so I’ve been in and out of the hospital.
He asked for a divorce because he said he wants to file for bankruptcy so no one can claim him and ran away like a coward and left me alone in the dark.
With debts that are accumulated majority from family and friends, they still ask me every single day when can I pay them back because the reasoning for the owing amount was all because “he borrowed for us”
I fell into a depression and see a psychiatrist last month. There’s line of creditors always calling me and I’ve consolidated my debts a total of $100k under DCP. I have debts towards the bank and my family and friends. Our family and friends grew impatient.
My debts are a total of $230,000. $100k+ DCP and the rest are just family, friends, GPL, phone lines. This is just my story to share for some to learn a lesson or for some to just feel better about their financial situation. I feel stuck, I’ve been actively searching for a job but I’m left with no answers and my freelance jobs only earns me about $2.7k (NO CPF). My family and friends contact me frequently growing impatient even though I’ve said that I’m in no position to pay everything back immediately.
What would you do if you were in my situation and knowing that my ex husband is always on Reddit so Joshua if you are seeing this don’t run away from the mess you created
