I plan to enroll now since i got no choice.

Btw, i think my total CC and Personal Loan would reach 28k if combine all. Assuming i will apply for this and income as below:
Nett income: RM 2250
1. Pay hire purchase 420
2. Pay Family RM 1200 for my parents
3. Pay 350 for my rental
3. After deduct i left rm 250. I am really not sure how would the AKPK help since they r unable to combine my hp with my cc and pl.

Really confused now. Can i request for only Rm 100 payment per month for the first 2 year. If yes how big is my chance. I need to have some saving before its too late.

How long will i would know my application result. Will this take long time to confirm?

Thanks!!!!

Hi friends,

My real current situation:

CC
Maybank Visa $3,600
Direct Access MasterCard $16,000 
AmBank Visa $3,500.00
Standard Chartered MasterCard $1,900 
HSBC Visa $19,500
 
Personal Loans
HSBC Amanah Personal Loan-I $23,000
CIMB Overdraft Account / Current Account $10,000

Total: $77,500

Others:
Car Loan
EON Bank $873/mth
Current Salary: $9870/month

Please advise on whether I should join AKPK/DMP programme or try to restructure myself. My current (minimum) monthly payment usually reaches $5K.

Pls help me... Thanks in advance...

Update: 9870 has to minus EPF and tax... so I'll get around rm7800