may I know how AKPK can help in solve debt issue ?

is it possible to convert all my cc debt into one term loan account ? or can AKPK help to get loan for me ?

i dun wish to cancel my card as i have no issue pay for my normal spending. Problem rise is when i jobless for few months so use up my cc, and now min is too high. i tend to keep 2 of my cc for usage

I just visit AKPK for their briefing yesterday. Will meet up an important next week and decide if i were to join

Im not sure how AKPK can help me, maybe u guys can advise
my debt as below

HSBC 10K
HLB 7K
CIMB 6K
UOB 6K
MBB 6K

Among these 5 cards, I only still pay HSBC & HLBB. I paid Rm500 monthly for each card , with interest about Rm150 each.

Among the other 3 card, 2 of the card already been converted to EPP , but after sometime, I still couldnt pay.
As of now, all the 3 cards pending for 6 months and ignore all calls from bank since beginning.

My concerns ,

- I heard akpk will cancel all cards. I wish to keep either one my hsbc/hlb card due to convenient as booking etc. Is it possible ?

- On top of all this, i still have 1 old car (I believe being tow away few days back). still owe around RM14k
Total everything owe about 50k ...so I not sure how akpk can help me since I cant pay much monthly ?

- I manage to pay Rm500X2 (2 card) as of now, but I still have balance about RM700 for me to use (petrol etc). if let say i enroll the prog, I cant pay RM1000 for sure, cos my expenses will be stuck

there is lot more complication in my prob. just need some advise for experience bro.

the best way is get loan frm bank rakyat but i tried a lot and rejected cos need 3 year work in same company. otherwise i wont be stuck till now
haizzz