currently i got house loan and car loan.should be no problem?

What you mean no problem ?

my advise is to opt for akpk when you really have no choice, almost bankrupt

Can i know if applied for AKPK, can we keep 1 credit card for emergency case ?

This pretty much depend on AKPK. Of course also depend on how bad your credit / debt. High chances are cannot keep

answernya ialah tidak boleh....

now i got 3 cc.only citibank i cant afford to pay and need akpk help.so can i still keep the 2 others cc from different bank?how bout car and house loan?

This post has been edited by samsungXP: May 22 2012, 10:04 PM

Once you enroll all cc will have to go

for my case, one of my card excluded
i guess its because i was the issuer's bank staff, so cant include to akpk

Those who are muslim, perhaps can try do biz at bazar ramadan this year, last year alone I managed to get clear profit of rm15k during bazar biz (24 days).

After raya, I went to the bank, renegotiated the amt of o/s for cdt card by saying that I want to pay lump sum & they gave rebate on interest which is quite amazing. by the profit I have, I cleared all my 3 cc o/s. Now I just concentrated to pay my personal loan which I paid using my salary (left another 6mth)

Yerp, I'm not self-employed, yet it's not excuse for me to not doing biz as well. Consider it as a bonus month

15k net profit for just 24 days??

may I know what biz are you doing and selling?

guys, do you know anything about SMART M0VES Solutions S/B? they introduce them self as well known debt recovery agency. they can reduce about 50% from our total credit card debt. is this true?

Hi all..i have cc debt with Maybank around rm5800.. since im jobless for 3 months my repayment for both cards is stuck..so now the interest has shot up. They ask me to pay 1800 and balance to pay rm590 monthly for 5 mths..Im earning 4k mthly and i have my expense as below:

House loan: RM780
Car Loan : RM387
Debt repay to friend: RM1500
PTPTN: RM150
Insurance: RM170
Other expense: RM1000

Am i able to apply to akpk with this situation?

Dont apply unless very necessary

It is not advisable to go to them unless you really have no else to turn. Am I assuming that you were unemployed but now have found a new job earning 4k a month? It would be more advisable for you to focus your debt repayment for your CC first since their carry the highest interest rate.

Is it possible to suspend your debt repayment to your friend and cut down on your other expenses? That way you can clear the CC debt first and then resume repaying them.

if my name is blacklisted, it is possible to sold off my property? or the buyer wont got the loan due to my name is being backlisted?

You can still sell. Also depend on why you got blacklisted

Thanks to you guys all. I found it from www.akpk.com.my, this one is .com.my

Hi guys. Have to question to ask..

1) i read somewhere that when entering DMP i need to include spouse's income/spending as well for payment calculation purpose. So should i prepare the needed document (payslip, bank statetement, epf, BE, etc) for her too. By including her is that making her name in the programme too. Can't afford both being 'blacklisted' anyway..

2) can i use CCRIS statement to replace latest loan statement from each bank? Some of them go to my previous mailing address, so no copy. Can i get from the bank instead? How long does it take?

Thanks..

1) not sure . Better bring all documents
2)u need get CCRIS report from bank negara. For latest loan statement, call the bank to get it. If u dun have latest amount, akpk will not accwpt ur form.