Salary 8k, borrowing 300k

Means even if half your salary go to repay loan, you still need 8 years to repay. Instead of going to AKPK or consolidate your loan, you may be better off go the bankrupt route

Repay the ah long so they dont kacau you and your family. Make yourself bankrupt. Suffer for 5 years. After 5 years, apply to discharge your bankruptcy

In fact it is.

A few years ago I have a customer which my company supplied goods to him. Over a few months, he ordered more from us compared to previous months. Then overnight we hear his shop is taken over by another person. He was a very good paymaster before this happened. Almost all suppliers kena trapped by him. Eventually we heard he owed banks about 2m. And became a bankrupt.

1 year later, my salesman met him at a coffee shop. What you said above is what he told my salesman

He planned his bankruptcy. I think he was the winner in this legal and banking system which he took advantage of the loophole