Hi all..i have cc debt with Maybank around rm5800.. since im jobless for 3 months my repayment for both cards is stuck..so now the interest has shot up. They ask me to pay 1800 and balance to pay rm590 monthly for 5 mths..Im earning 4k mthly and i have my expense as below:

House loan: RM780
Car Loan : RM387
Debt repay to friend: RM1500
PTPTN: RM150
Insurance: RM170
Other expense: RM1000

Am i able to apply to akpk with this situation?