I did not have a stable job for the past few years. Only lately found a stable job and all situations come back to normal meaning there are less worry of financials.

I have stop paying 4 of my credit cards for the past 5 years and i think total of the cards past 5 years was around 50k (for all) I did not receive any bankcruptcy letter from the bank yet, however since I am much more stable now, thought of going to see AKPK to help.

But what will my minimum payment for my debts? As I am quite new on the job therefore does not allow me to take off and see AKPK. Please help what shall I do. I know for definetely I am on CTOS or CCRIS but bankcruptcy dunno.

Lost of direction already. Please help.

Dear all, I'm back I went to AKPK to listen to their briefing and was being told to get the latest statement from my 3 outstanding banks...gosh...the owing amount is huge it is double of what I have use for my credit card.

But then I got questions, I was in 1 of the bank and the officer advise me to look into getting personal loan, and apparenty Bank Rakyat offer such loan. Will it better to get the personal loan and settle off the payment or still go through AKPK?

Confuse again....