A friend is burdened with multiple loans. Though he finds it difficult to pay his EMIs (equated monthly instalments), he hasn't defaulted.
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"Debt counselling in India is not a mature industry in terms of standardisation of services or charges. They may offer only advice to you or help you in liaisoning with the banks."
"It is time to seek help when you feel like your anger is not doing any good with your day to day life such as work, relationship, ability to achieve your goal and many more."