Need Help/Advise on how to resolve family debts
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Hi everyone,
I'm currently seeking help or advises on my family debts issues that was contributed solely by 1 person. My sis.
Is there anywhere official i can go to get help on it?
She is constantly in debt, never stops and my parents had to keep clearing the holes she dug while she digs more.
I'm really sick and tired of it already, its almost SGD30k ~ SGD50k since her first debt.
Please I need serious help.
and also to add on, my dad is the only 1 working. He needs to pay for all the bills and car instalment. My sis totally doesnt care. She just keep on doing her things her ownway. Not picking up calls or working at all, just disappear everyday to Gods know where. The only times when she is pushed to the corner by the debt collectors, she cried and blahblahblah to my parents and end up they are paying for it. Then the cycle repeats again, she disappear and doesnt pick our phone calls, treating our house like her hotel in vacation. Return only to sleep and eat.
She is taking our help for granted. No appreciation. No thanks. No remorse. No Change. Nothing.
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well, lock her out then. If she's really sane enough, she will see the light, return home and seek forgiveness.
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wat if she didnt, wat if somethings happen to her outside?
I can live with it but i dont think my parents can.
and afterall we still end up clearing the debts
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Stop helping her. Nuff said
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Wash your hands off her..
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how did your sis got the debts to be started in the first place?
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She is being trained to be irresponsible by your parents.
I can predict what will happen this time.
The debt collectors will come, she will cry and your parents will settle the debt.
Then she will disappear for a while and then come back.
Then the debt collectors will come by again , she will cry and your parents will settle the debt.
Then she will disappear for a while and then come back.
Then the debt collectors will come by, and she will cry and your parents will settle the debt.
Then she will disappear for a while and then come back.
Then the debt collectors will come, she will cry and your parents will settle the debt.
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Originally posted by Ziyi.soo:
wat if she didnt, wat if somethings happen to her outside?
I can live with it but i dont think my parents can.
and afterall we still end up clearing the debts
there is nothing more loving in this world than a parent's heart. They may very well clear debts for her even if it means ZERO $$$ for retirement. But your parents are spoiling her by clearing her debts......You just have to constantly ask your parents, "Where's your money for retirement if you keep paying her debts?" That may jolt them into some thinking.
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the disappear didnt mean as in really MIA, but rather just go out and go out.
she gotten into debt due to relationship problems, the ex cheated her money and used her name for buying stuff i think. then it just snowball to alot of things got picked up along the way.
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I would really want a girl like that to be my GF
If she continues making the same mistake over and over again, then something is wrong.
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Ask her to go work as prostitute to clear her debts
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Your parents will definitely not have the heart to stop her. After all, which parent would want to see their child being hounded by debt collectors. Tell your parents that by giving her more money, they are actually encouraging her actions. To put it in a bad way, when they passed on, who is going to help her with her debts? State it to them that you will not fork out a single cent to clear your sister debt as you would have your own family by then. She will be left on her own. Even if they leave her a sum of "fund" for debt clearance, it's only a matter of time that it would dry up. Let them fear on how they think their child could not cope later on in life. Also, tell them to inform your sister that from now on, they are not going to clear any of her debts starting from the last one. And that, if she is going to dig up some more holes, nobody will be helping her at all. They must be aware that their child is not in the correct route. They need to be firm with people like your sister. You guys must be prepared that she will come back begging and saying she will commit suicide or whatever, leave her alone. Introduce her some financial saving plan which could help her in her future finance management.
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I agree with TYING , the best way to start is to start talking to your sister and parents about this issue, at least let them know what you think and steps by steps things will proceed from there.
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Originally posted by Chester_Lim:
Ask her to go work as prostitute to clear her debts
....... back on track.... Ziyi.Soo in cases like this .... you really LPPL.Its up to your parents to wake up and cut the help, ground her or whatever.
If they softee all the way.... then like I said LPPL le.
If your sis need fast cash... like Chester said ... open the legs... can song somemore
Kind Regards
Genie
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I don't think your family can really do much...in fact I think it's better to seek some outside help.
Get your sis for some counselling ba...
Either that or your parents will have to become "iron hearted" and completely refuse to help lor...but I think this is quite hard and impossible la.
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Originally posted by Ziyi.soo:
Hi everyone,
I'm currently seeking help or advises on my family debts issues that was contributed solely by 1 person. My sis.
Is there anywhere official i can go to get help on it?
She is constantly in debt, never stops and my parents had to keep clearing the holes she dug while she digs more.
I'm really sick and tired of it already, its almost SGD30k ~ SGD50k since her first debt.
Please I need serious help.
and also to add on, my dad is the only 1 working. He needs to pay for all the bills and car instalment. My sis totally doesnt care. She just keep on doing her things her ownway. Not picking up calls or working at all, just disappear everyday to Gods know where. The only times when she is pushed to the corner by the debt collectors, she cried and blahblahblah to my parents and end up they are paying for it. Then the cycle repeats again, she disappear and doesnt pick our phone calls, treating our house like her hotel in vacation. Return only to sleep and eat.
She is taking our help for granted. No appreciation. No thanks. No remorse. No Change. Nothing.
your parents are not stupid. They don't need your advise to plan for their retirements.
As long as you do not get yourself into trouble they are very happy already.
Tell your parents very clearly, you are well aware of what your sis is doing and Do not drag you into the mud.
She can only cry to your parents and take them for granted limited times. In the end, she is proving to people around her how untrustworthy she is.
If your parents still choose to keep "enabling" her , then you need to steel your heart and turn your backs to them.
Learn to say "No" if they expects you to help her out.
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how the hell she get into a 50K debt?
Gambling? Drug?
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How old is your sister? I know of someone who acts like her, and she has a sister...