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@killalljewishpeople2934 you are correct saying that all those moving parts are generating additional stress, and I admit it affected my wellbeing/mental health. This is basically my sole/main underling thought in the back of my mind for months and months. Said so, part of the mess (created...

@forestux Well I could (should?) ask for help (low rate loan) within my family. That would be probably a good financial decision, I have just to accept the psychological cost

@forestux Having my income here and the property abroad makes my position weak on both countries. 10/15 k would be sufficient to make my situation bearable

@forestux Property I own is abroad, no mortgage on it, I cleared it a couple of years ago. Unfortunately it is in a country where cost of living is significantly lower than here, so geo-arbitrage is working at my disadvantage. I considered to sell the property to someone else instead of than...

@alidog My Credit history is a bit a mess, just because in the last 6 months I had multiple applications rejected (because I maxxed out my capability), but I am aware that those should be not visible to thirdly part lender/requestor after 6 months. Actually it came out that CBI shared those...

@brendan3248 that helps!

@childoftheking21 you are correct, I am not paying any water bill (I paid just once a few years ago, then refunded).

@nixfifty Thanks, appreciated I already spoke with them actually, but if I understand correctly the settlements agreements they negotiate will very likely impact my records on the Credit Register. I will get this confirmed. I would rather be available to cut 500/600 a month from my month...

@resjudicata I agree that this may be quite a debate (whether to sell or not) and I understand both positions. There are many additional factors which may impact this decision: my age, property values in the foreign country, I agree that keeping the property asset is generally good advice...

@mariemarie89 good point. I am addressing that as well

@heart4him4ever well yes, problematic gambling played a part into driving me to me current situation. I did not want to hide the cause, just wanted to see which strategies to use to get out of it (taking the cause element out of the equation)

Due to some poor financial decisions in the last couple of years, a relocation and some unlucky circumstances I found myself with 30K debt, unfortunately mostly at higher rate (Credit cards) and with a poor credit score (as I maxed out my credit capacity). I want to expose my current situation...