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UMental health is more important, focus on that. Don’t pay a dime if you don’t feel like. Spend time with your family, spend money on your family/experiences. Once you are out of funds, declare bankcruptcy.
Literally you can do anything and everything (nothing unlawful) once you are not afraid of losing your most prized possession aka your life.
You gambled away the money no problem, banks/NBFCs too gambled on and lost the money. Not even chinese loan apps would shut with your default. That’s on them and they will still always be profitable.
Don’t even feel guilty. Think it this way, today they wrote off 17 lakhs because of you. In future, you would be paying lot more than 17 lakhs as your cumulative Income Tax, so the money would be returned back for development by you via government.
I too declared bankruptcy once. Today, I am back on my feet and even FIRE’d. The taxes I pay every quarter is 1/10th of the amount for which I declared my bankruptcy. You have created this mess and you will sort it out, just think like this and don’t run away from your mistakes just Learn from them, wish you all the good.
