I'm with AKPK prog now. AKPK only help to settle credit cards/personal loans but not car/home loan. I owe RM65k to 5 credit cards and AKPK help to merge all debt as one with 8% interest. Total upto RM94k...Paid RM520 for 2 years and cont RM880 from 3rd to 10th years. There's no choice, need to agree or else get bankrupt.
So regarding the blacklist, i'm not but AKPK will advise you not get any loans to reduce your debt burden.