Dear all bros...Need your strong advise on this matter URGENTLY...

If I got a housing loan (property haven't complete), can I apply for AKPK?

This is because the house was sponsored from my dad...but he put under my name.

But now I'm in deep shit with personal loan and credit cards debts...

Can I tell AKPK that the house is bought from my dad (not me, he will help to pay installment also) and can I still apply for AKPK to help me on my personal debts ???

I plan to sell it once it is completed, with the profit I can settle all my outstanding loans now...most probably next year....

PLS ADVISE, ALL BROS!

Once you have shared all the loans you have, you are free to choose which loans you wish AKPK to help you with.

If AKPK can help you with personal loans, and the easing on your pocket allows you to continue paying for your house/car then that's fine.
Bottom line, if your debt is piling and you are facing $ collapse go ahead and approach AKPK. They can advise you and you are free to decline.

A warning though: They may not be as 'helpful' until you show sincere signs of wanting help yourself ... like making an effort to make sure all your documents are in check.
From my experience, once they see you are genuine, they become very happy to help.

I don't blame them for this attitude.
From what I have seen, some people just attend the required briefing, then come to the office empty handed just saying "I owe $$$ so what can you do to help me??!" like the world owes something to them for the silly predicament they are in.

It is really about helping yourself.

I have gone thru this personally and speaking from experience. My scenario was similar to you: some personal loans, while servicing a house loan of my own.
Almost done paying back all of it (about 1 year to go) ... and I learned A LOT about managing my $$$ in the process

Its not a waste of time.

-e-