I have appointment with AKPK next month so i can't answer your question now cause i am not 100% sure but do give them a call. AKPK conduct public briefing twice a day (11am & 4pm) on weekdays, sorry i forgot what the time schedule on saturday. This briefing is compulsory to attend. After the briefing, feels free to ask them any questions after that when you still think you need AKPK help, then set a date with the them for personal consultation. Please hurry though cause theres lot of people attending and the briefing space is limited & i have to wait a month for my personal consultant with AKPK. Its ok though cost they don't charge you anything.

AKPK help negotiate with the bank, for me to pay at least $100 a month. CC debts totaling to 6k++ after this i need to deal straight with the bank. Now awaiting the bank to send me the papers. Will update how much the interest they gonna charged me.

i got the letter from bank today. They accept the monthly installments of $100 (proposed by akpk) for my 2 credit card plus (interest of 7% per annum)