I got a relative whose debts is over RM300k (due to credit card & personal loans), monthly income only RM10k... the debts is unmanageable ,the "hole" is getting bigger.

Yes, they don't have loan management / knowledge.

Any solution or guidence?

OR if you think that this is a business for you / your expertise, pls PM me for contact. They are looking for solution (beside looking for loan shark lah)

TQ