Just to seek for advice..

Sometimes we receive sms from 3rd parties that they claimed can help the client to reduce the monthly repayment from 50% to 70% with repayment period
up yo 10 years. Interest rate 6% to 8%. WOW..!! it help alot to ease down the burden for the monthly repayment debt.
They claimed that specialise in this debt consolidation matter. Option solution: FFP or AKPK.

If that is the case, will it affect our CTOS/CCRIS?
Are they legal?

Any advice?

https://ctosid.ctos.com.my/ctosid_new/Welcome