Hello all, would like to ask some question if you don't mind, currently just got retrench from work, and now bills keep piling up, my personal loan and two credit card are overdue for 3 to 4 month already, if not mistaken they will have you blacklisted in CCRIS or CTOS is it? I heard from my friend that at the 6 month of not making payment, your name will be in CCRIS and CTOS, what action will they take on me the? Sue me, decllare me bankcrupt?

I thanks, thanks for your advice but currently looking for new job, so god help me get a job soon. Thanks for your answer...

Hi would like to get some advice from you guys here, kinda bit in a mess now.

Credit cards:
Citibank RM7k
Ambank Rm4k

Personal loan
RM12K

Hire Purchase
RM1600

Recently been lay off from work, but happy thing is gonna start work in December but problem getting a car cause blacklisted. Anywhere, my problem here will AKPk help me?

Thank you for your time