Advise to be debt free

Posting my whole story kung bakit ako nalubog sa utang for the first time. My debt is around 4M already.

Month of MAY last year, I don't have any debts or loans na iniisip. I just maintain my monthly dues like load, netflix, internet, and other regular expenses.

I have permanent work and I have a small business to support my lifestyle. Sobrang gaan ng buhay ko, I can afford what I want.

But one day, someone thought me how to do online gambling. Hindi talaga ako pabor to do it kasi my father is also a gambling addict and I don't want to be like him. I starter to top up about ₱200, then eventually it became, ₱1000, ₱5000, ₱10000 and so on. The feeling na binibigay ng sugal is so much. Malinaw yung isip ko na hindi dapat ganun but I still continued lalo na nung naexperience kong manalo ng malaki. And of course, matalo ng malaki. At ang nasa isip ko ay dapat ko itong mabawi but wrong mindset pala iyon kasi lalo ka nitong ilulubog.

Dumating sa point na nagalaw yung pera na pinatago ng parents ko sakin. And just to pay it, I tried to apply for a loan in Maya and other banks. At sa sobrang katangahan ko, I don't pay it, I gamble it once again. That's when I started to have other loans sa banks. I can handle all the monthly payments of my loans and other debts. Until I tried using OLA recently, the interest was so high. Dito ako naipit ng todo kaya natuto ako manghiram ng money sa mga friends and other relatives ko. But I don't want my family to know what's going on. So I tried na ipakita sa kanila na okay lang ako, I can still manage my expenses and I can still give them a good life but the reality is I am drowning.

Wala ako ibang mapag sabihan ng totoong nangyayari sakin, walang may ibang alam kundi ako lang. Kaya sobrang nahihirapan ako. I can't even tell my family kasi I can't ask them for help, why? Because nagamit ko rin yung pera nila without them knowing until now.

Because of OLA, my work and small business can't handle all the payment dues already. Nagpatong patong na sya. Anyway, I already stopped gambling but the duedates are still there. Hindi ko na alam ang gagawin ko. Hindi na ako makatulog, makakain at makahinga ng ayos dahil sa pag iisip kung anong gagawin ko. Wala na ako ibang malapitan to ask for financial help kasi lahat ng pwede ko malapitan ay nakapag extend na ng help sa akin. I don't know paano ko rin sila mababayaran ngayon. Hindi ko alam saan ako magsisimula.

Sobrang anxious ko at ayaw ko na makareceive ng mga threats galing sa OLA agents, lalo na may contact reference involve some of may family members kaya they can also receives threats from them.

Nahihiya din naman ako sa mga nahiraman kong tao na hindi sila mabayaran kaya hindi ko alam ano uunahin ko.

Credit cards, personal loan, gloan, maya loan, maya credit, spaylater, sloan, juan hand and other OLA. I don't know how to start. Sobrang nanlulumo ako at hindi na makapag isip ng ayos. Gusto ko nalang mawala but I don't want my family na sumalo ng katangahan kong ginagawa.

I just want to ask for your humble advise and seek help for me to start. I am willing to cooperate and listen to you guys.