Unable to Pay Off Online Loans, Can They Be Prosecuted?

[Suba]

I have a friend who is also a migrant from another city. She frequently purchases items from e-marketplaces with Pay Later and other online credit options, resulting in significant debt. A few months ago, she lost her job and could no longer afford to pay her installments. She attempted to return all the items she purchased, but they refused. Could this be considered fraud or embezzlement? Should I help her?

 

[gwolf666]

What is happening with your friend does not appear to be fraud or embezzlement, since she is not acting intentionally or unlawfully. However, your situation does reflect a financial management problem and possible misuse of credit, which can be risky. The fact that you cannot return the products, even if you try to do so, suggests that you are trapped in a debt that you cannot cover, which is a common challenge when relying too much on credit options.

The best thing you could do for her is to help her look for options to manage her debt. Perhaps you could contact the companies you owe debt to to negotiate a more affordable payment plan, or seek financial advice. Helping her find viable solutions would be the most productive and supporting her emotionally during this difficult time is also important.

 

[Suba]

You're right, even though she hasn't violated criminal law, she has debts and billing over the phone is like terror, and I intend to help pay off her debts in the near future.