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bankruptcy and credit card debt

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asked on Feb 22, 2015 at 23:37
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I was already been sue under bankruptcy before ,around 1999 which sue by the MBF finance due the to credit card debt.
I also declare all my credit card debt from another bank to the bankruptcy officer into my files .
after that i was make a monthly payment which already deal with the officer but however after a 1 years i was lap the payment until now .since on years 2010 i was able to process to open an bank account and apply for the Passport .Is it already been discharge from the bankruptcy .I can use a Passport to go another country .
But suddenly i received a bank statement from Am Bank that state down my credit card debt was RM387K, already been couple of years when i was sue into bankrupt no statement.
Anyone can help me what can i do .
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answered on Feb 28, 2015 at 20:02
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'Tidak Halangan"

correction..

Tiada Halangan

I am not petty.. but sometimes try to be more precise.. Like JIM.. JIM1 or JIM2... Like filings in court, affidavits, SOD, written submissions.. Those lowyers catches us and capitalise on our choice of words. Like notalawyer has taught us.. USE THIRD PARTY REFERENCES.. veryvery useful..!!
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answered on Feb 28, 2015 at 21:21
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Most probably not bankrupted  yet. Only bankruptcy proceedings.  Check with JIM to confirm status.
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answered on Mar 3, 2015 at 01:18
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@Jeff .

   Received the selfcheck report fro FIS but still showing nothing there , what I should do now next . below is the credit report from FIS credit agency .

B. SHAREHOLDING / DIRECTORSHIPS AND BUSINESS INTERESTS

Note: The following information relating to shareholding/ directorship interest by the Subject may not be current. There may be changes which may not be currently available in RAMCI databank.
NO INFORMATION AVAILABLE

C. LEGAL ACTION

Note: The following information on legal/winding-up/bankruptcy proceedings may not be current. This suit(s) may have been dismissed, withdrawn or struck-off (e.g it may have been held that the Subject is not liable as alledged in the claim, if at all or the case against a Defendant may have been struck-off or the alledged debt may have been settled after the entry of the information in our database)

LEGAL SUITS - SUBJECT AS DEFENDANT Total: 0

NO INFORMATION AVAILABLE

D. BANKRUPTCY ACTION

Note: The following information on legal/winding-up/bankruptcy proceedings may not be current. This suit(s) may have been dismissed, withdrawn or struck-off (e.g it may have been held that the Subject is not liable as alledged in the claim, if at all or the case against a Defendant may have been struck-off or the alledged debt may have been settled after the entry of the information in our database)

Total: 0

NO INFORMATION AVAILABLE

E. TRADE BUREAU / CREDIT REFERENCE

Note: The following information is provided by third party sources for your reference. Searched Subject will also be listed if he/she is in guarantor capacity. RAMCI does not guarantee the accuracy of the information. Please check with the creditors for confirmation as alledged debts may have been settled since recorded. Users should NOT treat the information as conclusive factor for evaluation purpose.
NO INFORMATION AVAILABLE.

F. ENQUIRIES MADE ON YOU

Note: Enquiries made on you refer to search enquiries made by RAMCI subscribers which consists of banks businesses and companies, government and statutory bodies, clubs, cooperatives, commercial banks, financial institutions, trading and commercial companies, professionals e.g. lawyers, accountants, property valuers etc. amongst others.

No

Enquirer Business Sector

Date Search

1 FINANCE BANKING 2012-03-02

-END OF REPORT-

Date: 2015-03-02 Time: 17:14:10 User ID: MYC1
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answered on Mar 3, 2015 at 03:09
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Dear Alvin,

You can
1/ Do nothing for the time being and wait see if there are further statements or letters from that or any other banks.

2/ Not urgent - Go BNM and get your latest status printout.

3/ Urgent..!! Go out and find a nice woman and start a family. You can sign a prenuptial agreement that the 1st child should be a pretty princess and the 2nd.. a handsome prince like you. And then pull the handbrake..!! A copy of prenuptial agreement is available @ http://www.prenuptialagreements.org/prenuptial-agreement-sample/

Good Luck and best wishes on this coming chinese valentine day on thursday night. If you really free and nothing to do, come to old klang road and buy me teh tarik... (Bring fireworks to light up the skies to celebrate your new found temp freedom)
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answered on Mar 3, 2015 at 11:57
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Good one Jeff!  
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answered on Mar 3, 2015 at 21:33
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@ Abu Ammar

    He he hee   
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answered on Mar 3, 2015 at 22:00
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@ Alvin Loh19

This thread is going off naturally very soon. Let's chit chat on how you could get attached asap and by CNY 2016 u can invite ALL of us to your bebe birthday..!!!

Suggestions...
If you do not have someone in mind now and wish to start a family asap with the excess funds in hands, go registered with any dating agencies, a "fast" one would be "Cupid Malaysia". You can do it in 5mins..!!

Profile of Cupid Malaysia..
1/ Lots of women registered.. Tall, Short, Voluphuous, Thin, Fat, Models, Super Models Looking for sugar daddys.. TV's..
2/ The site with the most scammers.. manymany males and mostly females kena cheated..
3/ Tip: For your age, forget about the <30.. The best bet are the Single mothers above 35-42.. Hundreds..
4/ Why single mother(caveat.. with 1 child only).. They have proven that they can bear child.. Track record ma.
5/ Not China single mother.. Some of them has been sterilised by their notorious government after having 1 child..!!
6/ Go for english educated Pinos single mum.. They are more loving and understanding than most msian chinese girls. And they are mostly from sabah and desperately needed remarriage to be able to stay in the country with their child.. i.e.. more accommodating and extra loving, some have been exposed to harsh lives, thus may work hard to keep a good marriage..

Good Luck Bro.. Time to start a new life afresh..
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answered on Mar 3, 2015 at 23:10
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Ha Ha. Excellent advice Jeff. Very thorough and well thought. Sorry, wrong emoticons above. Didn't mean to be angry above.  
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answered on Mar 17, 2015 at 00:45
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Today I just attend to BNM to check my credit status .
Can see clearly i was in bankruptcy since 1997 by AM Bank.
Below is the status in the report .

Akaun Di Bawah Pemerhatian Khas
NO  Tarikh                           Pembeli   Cawangan  Kemudahan   Nomnor AKuan/  Baki   Tarikh      Status Tindakan 
    Kelulusan   Status   Kepastian   Pinjaman                        Pemohanan             Kemaskini   Undang-undang
1   28/11/1997           Sendiri     AMBANK    14010     Kad Kredit  LOCxxxxxxxxxxx        28/02/2015  Kebankrapan   
    
    Tarikh Status
    Dikemaskini 
    28/02/2014

    Next what i should do
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answered on Mar 17, 2015 at 02:43
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Relax and do nothing else.. just rebuilt your life.. be cautious not to put large sums of monies in your name. You can put it under my name or your new wife to be.

Good Luck.. Anyway you already have bladi good luck.. Remember y r a VIRGIN DEBTOR.. Hahahaaa.....
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