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Advice on securing 3 month lifeline
Hi, I'm a trans-woman with disabilities and was hit severely by COVID. I was dependant on freelance work for survival but the sudden oversaturation made it not only harder to get jobs but it become a hub for scam jobs. I have speech impairment, don't have completed degree, in my 30s. These make it harder to get regular jobs, forcing me to freelance. I'm also a person with disabilities so I can't work retail or in stores. Over the last 4 years I've accumulated over 15 lakhs in debt for medical (mostly trying to save parents) and necessity. Now I'm alone with no life line, credit over leveraged, and no income. I can't even rent a place because i don't have a salary and am single. I'm currently temperoryly staying at a distant relatives place. They want me to leave soon as possible. I need about 5 lakhs to last 3 more months while I work something out. If i default of all loans I'll never be able to recover financially and I'm already in my 30s and need credit line available as I grow older with no loved ones or support system. I'm in the process of securing income sources, but I need lifeline of 3 more months to make it work. I've signed up for many new freelance platforms and finished ID verification, but won't get jobs without rating, need time to build momentum. I'm creating art and set-up Ko-fi and patreon. I'm exploring OF out of desperation and thinking of doing faceless content. I'm upskilling design/dev skills so I can offer more in freelancing to cast a wider net. I'm launching a blog. I'm setting up an etsy shop to sell art based products. I'm in the process of writing some kindle books to sell on Amazon. I am going all in on setting myself up for financial recovery. However, I need time. Based on loan EMIs and wallet loan withdrawals for liquidity last 3 months I would need at least 4.5l to 5l to last 3 more months untill I've start generating income. How to secure funds with no salary and over-leveraged credit? Please advise. Credit utilisation over 70%, but credit score 750+, so far no late or defaulted payments. I am getting pre-approved offers but I get rejected at the last step saying I've over-leveraged credit without steady income. I am dependant on credit for future for my transition (surgeries) and health. I have no loved ones, no degree, no savings, no housing, have speech impairment, am a marganilized individual, and living ompletely isolated with no support system. So please don't advise defaulting on all EMI. I need just 3 more months and I'll have everything under control. Just need 3 more months for my income projects to build momentum. Please advise.3
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