Cointellect is sma scam and it isn't easy to liquidate it. So that isn't a valid collateral.
Your account is worth, max. 0.07
BTC. If you can provide one more valuable thing as collateral, someone may lend you.
Your last sentence doesn't have an assurance of your repayment in 20 days. Please try to provide a valid collateral.
Quoting for reference:
Hi I'm bitsum.I need a loan :
Need: .2 btc
Repayment: .24 btc (20% in 20 days)
Purpose: Maintenance for house.Exhausted all my current month's income.
Address: 1DMdrRL6HARGW1XheMkZ2ifpfiYfFGLvxf
Collateral: My bitcointalk account and my cointellect account about $17 in there.Also able to provide identity proof with me holding the ID card of which u can verify with my facebook account for the picture.Assisting with other identity verification if necessary.
I will be able to pay before 20 days if situation is favourable.
-MZ