no choice then muz join or u wan bankrupt

if dont go akpk who wan to help ? ah long?

WHY??  

Seriously I dont think you understand what AKPK does.

AKPK is to educate you to save your money and solve your dept problem. You cannot run away with your dept. What you use is what you need to pay.

AKPK also help to suppress for any court action and dept hunters. AKPK also will avoid you to get bankrupt.

If you dont go to AKPK, bank will charge you 18% per year for CC interest. AKPK reduce it to 9% per year.

I have like 50k dept with 6 CC, now im on year 3 on AKPK and manage to close 3 CC already.

For example, AKPK instruct to pay them RM650 per month but I also did pay extra RM 200 - RM 300 directly to the bank that I focus for account closure.

So what else do you want. Educate yourself and pay the bank

i think u better goto AKPK and understand their process before you post any reply here....