You are not alone
Talk to someone now
Loan harassment can feel crushing. The pressure is not a measure of your worth, and it is not the end of your options. If the weight feels like too much right now, please reach one of the lines below — or someone you trust. Talking to a real person helps.
It is not a crime to be unable to repay a loan. No one can be jailed simply for defaulting, and a recovery agent who threatens arrest is breaking the law, not stating it. This platform is on your side, not the lender’s.
Emotional support
Free, confidential counselling — any time, in many languages.
Women's helplines
Counselling, legal help and guidance.
Cybercrime & extortion
If photos, contacts or threats are being used against you online.
Emergency
If you or someone is in immediate danger.
These are independent, verified public helplines — loantrap.org is not a counselling or crisis service itself, and does not run these lines. Numbers last verified 2026-06-13. If a number has changed, please tell us so we can update it.