25 and Bankrupt (I need guidance)
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 Aug 7 2014, 05:08 PM
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#1
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Junior Member
53 posts Joined: Sep 2013 From: Subang Jaya/ Damansara  
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I received notice of bankruptcy 2 months back. Luckily i managed to deal something with AKPK. Once declared bankrupt AKPK cant help u anymore. Go straightaway to JIM. Dont worry, it wont harm you. I met a guy who went bankrupt, he said everything was fine. He can go overseas. JIM will ask u to pay rm3000 per year as deposit if you want to go abroad. after cleared from bankruptcy they will return the money back lump sum.
Dont worry about bank ppl coming asking for money. Bankruptcy is made for the purpose to protect you from debtors. That is why for big businessmen, bankruptcy is done purposely, just to get rid of financial burdens.  This post has been edited by Fadzy Kamaruddin: Aug 7 2014, 05:12 PM |
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Aug 7 2014, 05:36 PM
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#2
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Junior Member
53 posts Joined: Sep 2013 From: Subang Jaya/ Damansara
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QUOTE(mrlonely78 @ Aug 7 2014, 05:19 PM) this is correct, however, jim will question u this, if u can only make payment of rm50 a month to them when u bankrupt, how come u can pay 3000 to jim for overseas trip clearance ... and they will not allowed if its for holiday ... only for business case they allowed, and u need to have the letter from the company you work for also for this clearance .. some ppl, like me, have to go overseas to earn my gaji. thanks.   that is why i tried my best to avoid bankruptcy. hehe but do not be worried. and dont run from your problem. |
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Aug 7 2014, 07:24 PM
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#3
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Junior Member
53 posts Joined: Sep 2013 From: Subang Jaya/ Damansara
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QUOTE(davinz18 @ Aug 7 2014, 06:45 PM) really? Really. Go study on bankruptcy. U'll be surprised. QUOTE(simonlws @ Aug 7 2014, 06:45 PM) Correction, the RM3000/= they will treat it as part of your repayment. They won't pay you back. Only the guarantee fee of RM1,000/= paid by your guarantor can be refunded. My friend got back all the deposit money. Totalling to 30k. Maybe different ppl different case. Ya one more thing, once you fully settle your outstanding, you still need to pay them, if not mistaken 10% fees before you can be discharged.  |
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