Hi, my name is Giuseppe. I’ve been struggling with debt collection since 2021. I had a loan of €24,000, but when the pandemic hit, I was made redundant. I managed to keep making payments using my unemployment benefit for two years, but the debt reached €7,000 and I couldn’t pay any more. At the moment I’m not working; I do odd jobs to pay the bills, earning €15–20 a day, three or four times a week. I’ve reached the point where my bills are overdue. Now there’s €4,000 left. The advisor from e-kruk, the debt collection agency, told me that if I can come up with €2,000 straight away, I can settle the debt and have it written off. As soon as I’ve cleared the debt, I’ll post an update. Now, if I go past 20 October, the third instalment will be overdue and then they’ll start repossession proceedings. I don’t want to end up on medication because I already suffer from anxiety and panic attacks; sometimes I don’t even feel like washing because I feel so useless. Thank you all so much.

ENG. Hi, my name is Giuseppe. I’ve been struggling with debt collection for a long time, since 2021. I had a loan of 24,000 euros. When Covid hit, I was made redundant. I managed to keep paying with my unemployment benefit (NASPI) for two years, but the debt reached 7,000 euros and I couldn’t keep up any longer. I’m not working at the moment; I do odd jobs to cover my shopping, earning 15–20 euros a day, 3–4 times a week. I’ve reached the point where I have overdue bills. Now there are 4,000 euros left; the consultant from e-kruk, the debt collection agency, told me that if I have 2,000 euros, I can settle the balance immediately and have my debts written off and cancelled. As soon as I settle the debt, I’ll post an update. Now, if I let 20 October pass, the third instalment will be due and then they’ll start foreclosure proceedings. I don’t want to end up on medication because I already suffer from anxiety and panic attacks; sometimes I don’t even want to wash myself, I feel so useless. Thank you very much, everyone.