HELP HENRIETTA TO PAY HER DEBT AND REBUILD HER LIFE

My name is Henrietta Seyram Afese, and I am reaching out to ask for help during one of the most difficult periods of my life.

I am currently facing a serious debt crisis after a business I invested in failed. What began as an attempt to create an income for myself has unfortunately developed into a cycle of borrowing, interest and financial pressure that I can no longer manage on my own.

I originally borrowed GH₵21,000 from GOSAM Services to invest in my business. Unfortunately, the business failed, and I was unable to meet the repayment obligations. According to a formal notice I received from GOSAM Services dated 13 August 2026, the outstanding facility had increased to approximately GH₵26,000, with accumulated interest of GH₵18,200 over seven months, bringing the amount stated in the notice to approximately GH₵44,200. The notice also indicates that additional default penalties could apply under the loan agreement, although the company stated that those penalties had not been imposed at that stage.

Under the pressure of trying to keep up with the original debt, I made another difficult mistake. I borrowed from other lenders to help pay the previous debt and its interest. My other outstanding obligations include:

Home Lender 1: GH₵4,200 capital plus monthly interest

Home Lender 2: GH₵4,000 with no interest

Home Lender 3: GH₵4,000 capital plus monthly interest

Since January 2026, I have been unable to make payments toward these obligations. The accumulated interest has made the situation increasingly difficult.

I am currently unemployed and actively looking for work. I am doing everything I can to find a way forward, but at this point I need help to break this cycle.

Why I am asking for GH₵80,000 My goal is to raise GH₵80,000 to settle my outstanding debts, accumulated interest and any necessary charges required to bring these obligations to an end.

My greatest wish is simply to become debt-free and have the peace of mind to start over. Once I am able to clear the debts, I intend to continue looking for stable employment. If I get the opportunity and resources, I would also like to rebuild through a small bottled-water wholesale and distribution business so that I can create a sustainable income for myself.

I know GH₵80,000 is a lot of money, and I do not take any form of help for granted. If you can contribute, any amount will make a difference. If you cannot contribute, please consider sharing my campaign with others. Someone outside my immediate circle may be able to help me reach this goal.

I am not asking for luxury. I am asking for a second chance—to clear my debts, regain my peace of mind, work again and rebuild my life. Thank you for taking the time to read my story.

Thank you for every contribution, every share and every word of encouragement.

With sincere gratitude, Henrietta Seyram Afese Ghana