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.