unsecured loan will be paid through AKPK but secured loan (e.g. house loan) will be paid directly to the bank. For further clarification please contact AKPK.

There are various modules that you can choose which had been developed based on public's interest such as credit card for young people and retirement plan for retiree. It is practical because some of the speakers are the councilor who help people in their debt management program, hence they know what are public's real problems that related to financial education, not just theoretical problem. They are quite good as they can make financial subject that some people said boring very interesting. For further clarification please contact AKPK.

As far as I know, you can settle with the banker directly one by one. The banker will let AKPK know that you had fully settle your debt with them or you yourself can inform AKPK but AKPK will wait for the banker's confirmation. Please contact AKPK for further clarification.

7% is considered low already. Normally people who went to AKPK is due to high interest (credit card - 17%-19%) and AKPK will help to restructure it to become lower (around 9%)

If you check balance transfer thread in credit card section, you can get up to 0% pa for balance transfer from 1 cc to another cc.

Congratulation for graduating from your debt. On a side note, normally people who graduated from AKPK will blame AKPK if they failed to get cc/loan after graduation. The truth is, AKPK did not ask the bank to blacklist them. The bank might choose to be more 'careful' when providing cc/loan to them since there is a history that the people failed to pay the bank on time. Hence the best way is to choose other bank either than the previous one.

If i 'm not mistaken, Once passed away, you will be considered terminated from the program. However, Akpk can help the relatives to get the person in charge of the bank should they wish to negotiate the outstanding payment.

If i'm not mistaken, you must have net disposable income of at least RM50 for AKPK to help you in restructuring your payment for outstanding debts.

Monthly net disposable income of RM50, example your monthly income is RM1,000, your monthly expenses should not be more than RM950.

It's because the chances are the Bank still keep record of you previously under AKPK hence increase the risk of you to be a person who might default his debt. This is like a risk management of the Bank. You can still try because nobody outside the Bank surely knows whether your previous record will be considered or not during your new application.