“Let’s explore that topic more”

Oh snap I should have read more comments before posting about “double clicking”. I hate it.

I’ve been hearing “velocity” a lot recently and that also makes me cringe.

Can we “just double click on that” for a second?

shudders

You’ll get better advice if you don’t panhandle. Agree with the poster above that I personally wouldn’t give money to a stranger like that.

You need to speak to a citizens advice organisation or a charity to find options for consolidating your debt into payments you can afford. They’d rather get their money back than nothing at all so the debtors will work with you. If you are ignoring correspondences because they are scary then stop doing that because it will make things worse. Things will get better but you have to be proactive.

I wouldn’t rely on ko.fi or venmo from strangers. Even if some angel pays off all of the debt you won’t deal with the underlying issues in your lifestyle that have got you jnto this situation.