Came across this AKPK thing on line and didn't notice I can find information here. I am now in serious shyt.. Let me list down the $$ I owe. I am a Singapore PR by the way and I work in Singapore. I have tons of debt in SG and MY. now cracking my head to see if there is a solution to it.

Total debt in SG.

1. Citibank.. took a 11k loan with my ready credit and CC. Monthly repayment $400 for 3 years. (now is around 7-8 months down the road)
2. ANZ bank took another 11k loan with Money line and CC. Monthly repayment $400 for 3 years. same period around Citibank.
3. UOB around $10k. dunno accumulate interest until how much already. did made some repayment. 1 month need around $300 minimum payment.
4. Maybank, swiped my card for $5k. Didn't pay since Febuary. took $50 cheque last time to get their free gift from their easy cash service. They sent me lawyer letter to sue me together with CC debt. total owe them around $6k.
5. around 5k with HSBC. CC debt. minimum payment around $200.
6. DBS bank, have CC debt around $8k. Minimum around $300.

Total Need to pay in SGD per month = $2.3k

Malaysia side

1. Housing loan RM680+ per month. (25 years)
2. Car loan RM1466 per month. (5 years)
3. Owe RHB bank around RM6k CC debt
4. Owe SCB personal loan for RM14k, 3 years monthly RM600.
5. UOC CC around 18k debt. minimum around RM900 per month.

Total need to pay in RM monthly = RM4k

With this amount. I really cannot fork out to repay at all. So I end up doing selective payment (this month pay 1,3,5 in SG side and 2,4 in MY side) and the next month paying the others. My pay in SG only around 2.9k carry home. confirm not enough to cover at all. Now I am considering doing this AKPK or doing the same in SG to recover in the next 5-6 years. in SG, we get 13th month salary, so on the 13th month. I will be a bit more comfortable in paying back those things that I owe previously. I wonder if AKPK will accept cases from people that work in SG and stay in JB like me. Or you guys think I should only do it in SG to lower that to as low as possible and pay those in Msia without leaving those bad record in Msia.