I too nearly bankrupt due to a business loan previously.

The business had to close down during MCO.

Eventually, managed to nego with the bank for a settlement. Finally came to a comfortable sum provided can keep paying without delays. I did my best and eventually paid everything off. Sold many personal items and cars. Essentially, downgraded my lifestyle to B40 level.

Right now as a B40, it is pretty much comfortable with gomen benefits.

And yes, some friends refused to call or meet up but I don't care and don't need these people.