guys, need your professional advise...am trying to help out a fren who is in dire need of some serious help....she's single mother 1 schooling kid, just divorced.....her ex hubby bankruptcy case since they got married. so this wonderful lady ended up having all sort of loans and credit card debts under her name totaling to RM150K....i advised her to take 1 single loan to settle off everything but seems she got under the ctos & ccris radar, most likely due to delayed/no payments and stuff. according to her, the bank is not approving the loan because of this..... both hse and car still under finance, she has not much of saving since she needs to take care of her son alone....she's in IT field and earns approx RM5k a month...her family pretty much has washed their hands because of the whole messy marriage and divorce...her ex of 10 years was a control freak, she doesnt have my frens....so she's feeling so lost (and not thinking straight) that she is now considering to borrow from ah long! i strongly warned her against doing so considering how f***ed up things can get with them.....so what else is there? there should be a way for a bank to offer a loan just for her to settle off her debts right? how else will one do, takkan go ask ah long for help when all the time the gov keeps telling us not to do that....this lady is a malay, do you guys know of any islamic loans/banks/ngo that can help her? so i would really appreciate some advise here....ty


ps: she has spoken to akpk and didnt agree to their terms (1 of it was they will hold her passport). she also was told, she might face problems to apply loans with FI after akpk debt is paid off.

This post has been edited by mynsu2: Feb 4 2015, 07:45 PM

@yybryan thanks for your reply. ive checked around, everyone is saying the same, to engage AKPK....apparently there is no other way out...