Hi all ...i have a super big finance problem right now....

Credit Card

HSBC = -20K
UOB = -15K
SCB = -43K
MBB = -15K

Total = -93k


Personal Loan

HLB = -8K
UOB= -15K
Alliance = -40k
OCBC = -40k
HSBC = -10k
EON = -45k
RHB = -56k

Total =-215k

Before im the director of Handphone shop...
so my income around 16k per month....
but i go genting play casino lose all my money....and shop already close...now im just start work with my cousin as supervisor @ 1month Rm3200 basic...

Bank Loan i have to pay around 10k everymonth....

i have no cash to pay for loan and credit card for 1~2 month...
so may i know AKPK will help me ?

now i only need pay for
Car = RM 800
Insurance = RM600
Family = RM 500
House Loan = RM 500 ( share with my brother )
So balance i only have RM800 extra per month...

anyone can give me advise ?
i really feel i have no jalan d....because i got hutang ah long 10k somemore....
should i go AKPK ? or try talk to bank ?