"Hi! I'm from the Philippines. I had gallstones and often couldn't go to work because of the severe pain, until I couldn't bear it anymore and underwent surgery to remove my gallbladder. Since then, I accumulated a lot of debt because I wasn't able to work. Eventually, I became well enough to work again, but almost all of our salary—mine and my spouse's—goes straight to paying off our debts, which reach around 150k pesos. I hope you can help us so we can have some financial relief. Both of us are feeling incredibly stressed out. Thank you."