Bismillahirahmanirrahim.

Question, guys. My dad just passed away early this month. We just got to know about his credit card debt. As a daughter and a Muslim, it is my responsibility to help him settle the debt. But the amount is too big for me to settle it in a lump sum. I seriously don't know how to start. Should I approach akpk for help? it is not my debt, but I'll be the one paying. Can akpk still help? or do I approach the bank directly? which one is scarier? can akpk help us deal with reducing the total debt? the debt has been accumulating for more than 15 years! btw, I know we can use harta pusaka to settle it for him, but the only harta he left is the house that we're currently living in and we've no intention of selling it.


I've been good with my credit management. Always paid in full, on time. Currently, I've 2 credit cards and 2 car loans, and I'll be done with 1 of them in Jan 2024. Would getting help from akpk affect my record? my only goal is to reduce the total amount and help settle his debt. I was wondering which party to approach for this matter. I even consider getting help from a trustee, lawyer, etc. but they're quite costly, aren't they?

Credit card debt can pull until so long 15 years?

Not delcare bankrupt already?

your father debt got nothing to do with u but if the house u living now is under your father name then bank will lelong the house to pay the debt ..
if got extra after lelong then u can claimed the extra money but u must prepare to find a new place to live ..
if the house is not under your father name then let the bank contact u n u can nego with the bank with discount

You generally do not have to pay off your deceased dad's debt, because credit card debt does not transfer to next of kin.

Settle your affairs, make sure his harta is allocated to the family, then contact the bank and inform that he has passed on.

They cannot pass the debt to you or your family.

TS, so sorry to hear about your loss ....

Without knowing the actual sum that is owing, the accumulation over 15 years is definitely a serious concern.

My view is better to make an appointment with AKPK first before you contact the bank.

If not mistaken, any debt outstanding by someone who has departed can be charged against the estate / other assets left behind by the bank i.e. the current property is not safe against these bank charges until the debt is settled.

You may also need to standby a Shariah lawyer, just in case.

I seriously don't know. We just found the bank statements while cleaning. and he already retire in 2001/2002, and I've never saw or received a statement before. idk if he did receive it tho.

what does it have to do with being a muslim?
trying to be holy here?

dont think you have to pay off your deceased dad's debt, unless you are inheriting something bigger.

going to AKPK will difinitely harm your credit rating, no more credit cards and in future no more loan for you.

Check his EPF, bank account and insurance if any. Take out whatever money from these sources.

Also, is the house under his name? If not, don't worry. If yes, then need to quickly sell it away before the bank finds out. Once sold, then only inform the bank about his passing.

don't you father had any life insurance? Take the compensation money to pay off the debt if the policy still active.

not at all. I'm trying to put religious pov. hutang wajib bayar walaupun legally, i don't have to. don't assume my intention here please.

you guys are very dirty.

ethically, his harta needs to be sold to pay his debts. and the balance given to his kins...

This post has been edited by john123x: Dec 21 2023, 12:59 PM

https://muftiwp.gov.my/en/artikel/al-kafi-l...e-faraid-system

It is not required legally or religious perspective to pay off deceased debt.

All is required by religion is to pay all the debts with property / estate before distributing the remaining. If there’s insufficient, even mufti say not required.

Unless you’re planning to gain extra pahala, but I still think it doesn’t make sense financially to add this burden when neither religion nor legal is asking for it. But… if you insist no one can convince you otherwise.

My 2 cents… don’t do it if need to go to akpk. And you don’t need to make this decision now since there’s no need legally or religion wise after using all assets under deceased name. Can just use all assets and stall the rest until you have a clear mind and all the rest is settled. RIP for deceased.

did your dad leave behind any assets or estate

it is not the duty of the next of kin to settle the debt of the deceased

you only have to settle the debts of the deceased if there is assets or estate to be distributed

If the house is in your father's name, you must sell it to pay the debt.

It not about moral, it's the law.

Legally no need unless bank going to auction off the current property under your father's name to settle the debt, morally & ethic wise need.

You make the decision.

Why would going to AKPK affect the daughter credit rating ?

She is going there to seek advice for the late father's debt, not her own

Your remarks don't make sense, as the daughter is trying her best to do the right thing, which has got nothing to do with religion

This post has been edited by laksamana: Dec 21 2023, 01:19 PM

As a daughter and a Muslim, it is my responsibility to help him settle the debt. But the amount is too big for me to settle it in a lump sum. I seriously don't know how to start. Should I approach akpk for help?

Not sure if you’re trolling or have comprehension problem.

She is trying to bear her late father’s debt on herself by going to akpk / bank to refinance the debt on herself. Hence it will affect the daughter credit rating when she legally sign to have all these debt transferred to her while using akpk. When it’s not required legally.

Religion has thing to do with it because she is saying it’s her responsibility as Muslim daughter to help him settle hence I included mufti’s response in my last post.

This post has been edited by LaiN87: Dec 21 2023, 01:25 PM

Your dad's assets will used to offset any remaining debts.

Only then it can be inherited.

Not the other way around.

Thanks for the clarification ..

Hence, it is important for the daughter to seek advice first, rather than blindly take on the debt for the sake of taking it on

No need to bring in religion into it, its either you want or dont want to settle only. Eitherway it can not be your problem.