Hi... I hope someone can help me answer this few questions before I go enroll with AKPK.

I over used my CC sometime ago on medical hospitals bills. Now I've been paying so much just to clear on interest only. Now that I have a family of my own (with a newborn baby) I wish I could control my financial power again... I have a few questions..

1) My husband and I was thinking of getting a house together, but since I'm now in debts, we might reconsider it. Only concern is during my enrollment, will it effect my husband? (knowing that Bank Negara can check)

2) After I've settle all my debts with AKPK, is it possible to apply loan (such as housing loan?)

3) I owe a total of 23K (CC & PL), should I go to the bank to nego or go to AKPK?

4) Will my employee knows my status with AKPK? It wouldn't be so nice to have everyone knows of my current situation.

5) I'm now a contract staff, will AKPK consider my application?