Hi,
I am a discharged bankruptcy too. I owe a bank on credit card outstanding for not more than 10k, bank do file legal action against me, but I leave it unattend, after nearly 9 years, my salary account was frozen by the bank, then I only know that, I was declared as bankrup due to that bank which I owe for the CC outstanding, it was become >30k after nine years. I have no choice went to see JIM, and made appointment for interview to declare our income and debts we have in hand. JIM agreed me to pay RM200 per month. After all the process done at JIM. I went to see the bank who sue me for bankrup and request them to reduce the amount to RM15k, bank agreed that and issue a letter of offer, and I bring the letter to see JIM again after few months. JIM agreed for me to pay RM15000 plus the administration fees which they will charge depend on the owning amount, mine was few k, not remember exact amount.

After few months later, I manage to get 15k to pay to JIM to clear the outstanding and I engage a lawyer (cost me around RM900), to file for discharge, within 2 months I was discharged.

This means that, you can try to talk to the one who sued you bankruptcy personally and request to reduce the total amount, once amount agreed, get a letter from this guy to pass to JIM, JIM will update the latest outstanding to be pay and you try to pay the amount asap then you will be able to get out from bankruptcy.

Please remember that, if you want to do this option, you don't report to JIM all your others outstanding owe to others creditors (bank), otherwise JIM will include all others creditors amount into your total outstanding need to pay.

you need to maintain the payment pay for your car and others personal loan instalment, otherwise it will bring all into one account which may will be bigger for you settle full amount in short period of time.

Forget the oversea study planning, unless your company subsidy you, then you will need a guarantor to guarantee you, you and the guarantor require to pay certain amount from 1k - 3k to JIM to get them release a letter to you to show to immigration to let you go (immigration will blocked bankruptcy ppl going onboard as instructed by JIM).

Please remember to pay your monthly JIM instalment in time while finding others solution.

hope my 5 cent help.

Me too a discharged bankruptcy 18 months ago, very hard to get loan even after discharged as CTOS record still there even was put remardk "discharged" or "settled".

I got my house loan bank require a guarantor or joint applicant, my brother help me out to joint with me, but even I have quite stable and ok income, till today bank still don't want provide car loan to me without the guarantor.

to share with you that, there is a act called Credit Reporting Agencies Act 2010 which should be enforced 15th Jan 2014 but had delay to 15th Oct 2014. Under this act, credit reporting agencies like CTOS cannot include those records which already settled after 24 months from default, this include bankruptcy discharged. Means that from 15th Oct 2014 onwards, CRA like CTOS will need to remove/delete those record which already settled for more than 24 months.
just provide supporting docs to them. This act was control and monitor by ministry of treasury. if CRA did not comply the act, they can be fine for 500k or jail. This actually is good news to those ppl who had cleared their debts but still suffer due to CTOS still keep the old records.