So is it really if not servicing the credit (aeon/singer etc) for more than 6 years, under the law it's consider as bad debt and hence they cannot charge you under the court even if you don't pay?

So any claim by 3rd party debt collectors say will proceed to court is no need to entertain?

So no court action can be taken right?

Any court action claim by 3rd party debt recoverer can be ignored yes?

And if they WhatsApp me with those LOD demand letter I can even troll them back say I know the Akta had Masa and I don't need to pay you a single cent and there's nothing you can do about it?

What if they post it to social media and say I hutang tak bayar, can I use them for defamation?

6 years is if the creditor did not take any action or serve you any notice of claim. If they served you notices from time to time , I doubt this Limitation Act is applicable.