Hi i would like to seek legal advice or guidance on what to do in this situation.
I have been running an online business for about 4 years. Retail business or buy and sell. i have a good reputation. Until about something happened in life. we hit a financial downfall. so unintentionally i had to use the money of my clients. for survival.
i had been in talking terms with them, and telling them and assuring them that i will repay or refund. it's just that as of this moment i can't the money coming in to me is for daily needs or survival. sometimes, barely eat, with a minor 4yo. regardless of the present situation. i always try to reply and tell them the truth that i don't have money yet.
My worry is a lawsuit, and cyberbullying. because regardless of my old reputation, they will always think of the present.
i'm scared that i might be cyberbullied if they post me on social media sites as a scammer. w/c i'm not. based on my reputation. and i don't want that to happen.
i don't know what to do.
some debts or need to be payed are small amounts like 1-2k php. large would range 5-24k. largest is around 60k.
i'm willing to pay, because i'm not running from them. always in contact, always trying to reply as soon as i can. even with financial difficulties, i really assure them that i will pay. i just don't have an exact day or dates. and as of my present situation i don't have the money to repay even the small one. i we barely survive within a day, for food.
what can i do, or tell them. and also what about if i get posted on social media sites. and get bashed, called names, and cyberbullied. i'm frightened about my name and reputation, my safety and my family's.
please help me with this. or any advice or any lega actions that i should take, or pre cautions.
as you can see, i'm not a scammer because if i am i would not bother to seek help.
money was not spent, for any drugs, gambling, alchocol, or any vices.
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