actully if one is really has no other solution, seeking AKPK's help is not too bad...provided u r not blacklisted yet lar...cos they don't entertain blacklisted ppl and bankruptcy case (i think)...the interest charged depending on the ngotiation between AKPK officer and the bank but it's definitely lower and so much much lower...the agreed repayment amount will not change even after 5 years if the bank interest increases or ur monthly income increases...if u are agreed to pay an amount of RM500 a month back to the bank, it will still the same after 5 years or more even interest rate increase...one thing good about AKPK is they let u calculate n minus off the necessary monthly expenses and savings, watever balance from ur salary will be used to pay off the debts....from tat day onwards no more using cc...which is not too bad actually, at least u will haf no chance accumulating more debts anymore....
AKPK, debt issue, anyone got a question to ask them?