Lawyer won’t be able to harass you anyway because they know akta had masa

So, what they do? Outsource to those legal along, or credit recovery

The thing is, these bad loan already sold by bank to other 3rd party lenders/debt recovery at 80-90% discount.

If you have bad debt and these debt recovery people keep sending you messages and threaten you with court la, account will be blacklist la, people will visit you at your office la, your home la,

You actually have the advantage to negotiate with them, can ask for 80% discount of your bad loan, sometimes they agree for this.

This will help you remove your record in CCRIS and CToS. However for your information, usually more than 6 years debt no longer show in CCRIS, when ask those debt recovery is there a record in CCRIS, they will gelabah said it’s not important but it’s your duty and responsibility to pay your debt, then card tuhan, card manusia come out from their argument on why you should pay.

Ignore and they won’t be stupid to use social media because it’s against the law

If it’s within 6 year can la, after 6, from threaten you they will beg you to pay

Deposit Rm500K or Rm1m as fixed deposit

They will offer you for free even you don't want

Woot so sucks