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?

No EPF left. and no insurance etc. no car. no other bills except for this. and yes, the house is under his name. The house value is more than enough to pay for his debt. but that would mean we have to sell the house. do we HAVE to sell it? if we choose to pay his debt with our own money, can we keep that house? that is the only property he left. and we've been living here for 30+ years. my mom is not that well either. I'm the only one with just enough income to support the family and I would rather pay it like it is my own than sell the house to pay it off. I need help deciding on this. that is why I'm considering all the options i have. akpk is one of them.

I'm still trying to grasp things. and I'm honestly lost. Thank you everyone, for your input.

No EPF left. and no insurance etc. no car. no other bills except for this. and yes, the house is under his name. The house value is more than enough to pay for his debt. but that would mean we have to sell the house. do we HAVE to sell it? if we choose to pay his debt with our own money, can we keep that house? that is the only property he left. and we've been living here for 30+ years. my mom is not that well either. I'm the only one with just enough income to support the family and I would rather pay it like it is my own than sell the house to pay it off. I need help deciding on this. that is why I'm considering all the options i have. akpk is one of them.

I'm still trying to grasp things. and I'm honestly lost. Thank you everyone, for your input.

No EPF left. and no insurance etc. no car. no other bills except for this. and yes, the house is under his name. The house value is more than enough to pay for his debt. but that would mean we have to sell the house. do we HAVE to sell it? if we choose to pay his debt with our own money, can we keep that house?

No EPF left. and no insurance etc. no car. no other bills except for this. and yes, the house is under his name. The house value is more than enough to pay for his debt. but that would mean we have to sell the house. do we HAVE to sell it? if we choose to pay his debt with our own money, can we keep that house? that is the only property he left. and we've been living here for 30+ years. my mom is not that well either. I'm the only one with just enough income to support the family and I would rather pay it like it is my own than sell the house to pay it off. I need help deciding on this. that is why I'm considering all the options i have. akpk is one of them.

I'm still trying to grasp things. and I'm honestly lost. Thank you everyone, for your input.

Then the direction is clear.

Summary:
- debt is a lot and hard to clear under your name in order to keep the house.
- house is under late father’s name and fully paid off.
- house value sufficient to cover for debt
- insist on keeping the house and not selling.

Best Direction I believe:
- Complete the house name transfer as per procedure. Shouldn’t need much legal fees for this.
- Mortgage the house, then use the amount to lump sum to clear the loan.
- it’s better to use house loan rather than any personal loan or akpk. Use flexi or semi flexi loan to reduce interest rate after using and ensuring all debt is cleared. Extra cash loaned dump in back to the loan account.

Query:
- how Muslim divide the property. After dividing, is there issues trying to get house loan mortgage with so many parties involved.
- will the official process allow for property to be transferred with debt still active. (Is it allowed religion wise)
- will TS have enough credit to allow property mortgage to cover the full debt amount. (Or will even TS be part of the name of the owner of the property to have a mortgage under her name)

In the first place TS, have you checked whether this credit card debt is still active?
Since you said you found some old bills/statements while cleaning up. Maybe your father paid it off after he withdrew his EPF?

Cos 15 years is a long time for the bank to still be keeping the debt. Usually it's written off after 7 years.
And why hasn't Debt Collector come to house to chase your father to pay when he was alive?

I know cos many years ago when I was retrenched, I
couldnt pay my credit card debts. It was during economic
downturn.
When I finally got a new job, I paid back a little. Then, when I could afford to pay back lump sum, the bank told me the account no longer available( means they had written it off.)

So, better check the credit card number if still active 1st

Can you apply credit cards thereafter?
car loans, housing loans?

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.

In the first place TS, have you checked whether this credit card debt is still active?
Since you said you found some old bills/statements while cleaning up. Maybe your father paid it off after he withdrew his EPF?

Cos 15 years is a long time for the bank to still be keeping the debt. Usually it's written off after 7 years.
And why hasn't Debt Collector come to house to chase your father to pay when he was alive?

I know cos many years ago when I was retrenched, I
couldnt pay my credit card debts. It was during economic
downturn.
When I finally got a new job, I paid back a little. Then, when I could afford to pay back lump sum, the bank told me the account no longer available( means they had written it off.)

So, better check the credit card number if still active 1st

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.

Muslim got a saying if don't settle debt after death, he will be suffering in afterlife.