Help....

I have PL debt around 25k from 3 diff banks ( pay RM740 for all p/month!!!!)..... CC debt in Term Loan UOB- 3k ( pay 110 p/month) MBB -7k (pay 250 p/month) and an active CC usage already 8k ( repay minimum RM500 p/month- then usually used again for bill payments)...


Total repay p/month RM1500 ( half of my salary!!!!)



I have outstanding payment on ALL 2-3 months..... I cant cope anymore.....

Should I refer to AKPK?????



Help me........ I have no house, no car....I pay rent 600 p/month.....I am all out broke!