Hi, I really need some valuable advise here.

Well, I am so in debts. I have personal loans and credit cards outstanding amount of RM 70K. Monthly installment for all these is around RM 2.5 K.

This is really killing me as on top of that I need to pay RM 1.2 K for housing loan and RM 500 for car loan. Not to mention I need to pay back my brother RM 1.2K for borrowing me money too.

All these summed up to RM 5.4 K per month. I am only earning of average of RM 4 K per month (it depends on sales).

Well, all I need is to be able to sustain all these as I am really working hard to clear off my debts.

1. Do you think AKPK will accept my case ?
2. Do you think they are able to at least bring down my RM 2.5 K installment to RM 250 or lower ?
3. Any help with my car or house loans ?

Well, I work in a bank and hence I have a bank discount rate for my loans. I am afraid if I go to AKPK, bank will terminate my employment for my bad debts management. I can't afford to loose my job now ! Pls pls advice..

hi, i just registered to this forum just to post this out.
I am 22 yrs old and currently working at bank negara. income 2200
the problem is currently I have these debts :

Car loan : RM390/ month

Personal Loans :
Bank Rakyat RM15k
Bank Islam RM24k
RHB 5k
Previous company koperasi RM16k

these are excluding interest.

I've missed to pay all loans for 5 months, except car loan.
I think i am in serious trouble and about to seek AKPK for helps.

These loans are due to my immature behavior, starting my first job at 21, spending a lot on shopping, entertainment and try to start a business which going nothing...Im still young and i am worried as i have a long journey to go.

Shud i go for akpk?
If i am in akpk programme, can i apply for gov housing loan (as im working in bank negara)

As i posted this out on 31st dec, which means i really want to start a new life, financial freedom.
Thanks in advance.