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Will I bankrupt ?

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asked on May 31, 2015 at 01:10
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Hi, I have question about bankruptcy. I have credit card debit that will exceed 30k on this July. But I have never made payment since 2010 Ogos. That means it will be 6 years no payment on this Ogos 2015. But the thing is the debit will exceed 30k on Juky 2015, which mean one month before the 6 years non payment. Can the bank still file me the bankrupcy ? Hope someone can help me what should i do to avoid bankrupt. I appreciate to all your help !
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answered on Jun 1, 2015 at 02:03
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There are of course some "allegations" of "insiders" in Puspakom, JPJ, Telcos, Insurance Companies and others who might have collaborated with the Collection Agencies and Bank staffs to give information on "runaways"

However, with the Data Protection Act 2014, Banks or any Credit Company who are registered with CTOS or FIS are required to have the person whom they are checking sign a form allowing them to do that. This "permission" or signature are normally obtained during the opening of new accounts or when customers apply for loan facilities which also include the "permission" to be contacted by their "partners" for marketing and "survey" purposes (read: Insurance promotions)

Of course for those "runaways" who are old customers, they (Banks and Credit Companies) do not have such letters and are only allowed to "view" the "lite version" which is a summary of legal actions taken but not the up to date version. Of course they can always "cross check" with their counterparts listed in the CTOS report. The Bank and Credit Companies later must submit a copy of the authorized and signed letter by the person being checked failing which they will be blacklisted by CTOS for future searches.

Collection Agencies have their own "kakis" to get the information and it is easier than you think (no high tech equipment involved) Therefore, it is a "catch 22" situation where you might suspect some info leakage and for CTOS, how will they know if the actual person who requested the report in the "Self Check In" if there is no proof of identity? It might be the Bank or Debt collector trying their luck. Take it this way, a lot of information provided by you to CTOS may be already known to the Bank and Debt Collectors. Ditch your phone number and register to someone else's name who is not "on the run".

You have no other choice but to get the report to know exactly where you stand. That is the only way we might be able to advise you on the next course of action based on actual info and not merely based on guesswork. Some might not be shared here as it is considered a "trade secret".
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answered on Jun 1, 2015 at 16:38
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May I ask, how much do you charge for the trade secrets?
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answered on Jun 1, 2015 at 17:39
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This is a public forum. Whatever that is shared here is sufficient for general info. Things like strategies are best shared among people that we know very well. You don't show your card to everybody when playing poker, do you? Kindly get the CTOS report and post it here.
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answered on Jun 1, 2015 at 17:41
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For you, special discount USD 10K (cash in small bills).. post your email address here. I will get my ppl to contact.
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answered on Jun 1, 2015 at 19:42
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Encik Abu Ammar

I have new batch of data for sale. Interested? Check EOS at yr mail..
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answered on Jun 1, 2015 at 21:38
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No need lah. Thank you very much. Free boleh la.
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answered on Jun 2, 2015 at 00:29
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Hi,

I am a bit confused.
Some Avengers charge for services and some Avengers don't charge anything?
How do they survive?
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answered on Jun 2, 2015 at 00:58
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@ nurain

I am the moderator.
Can you tell me, which Avenger ever charge anyone for all the free advices posted on this forum up to this point of time.
With proof I would attempt to sue that individual.
Thank you.

p/s There are a few stolen id's these few days. Punks, bill collectors and or lowyers.??
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answered on Jun 2, 2015 at 01:05
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It is the work of some nasty stupid people that started to steal id's.. This is maybe a way to disrepute any postings of any Avengers. It is up to readers to believe or not to belive.

If what @nurain says is true and can be proven,

I shall be closing this bladirunner@gmail.com within 48hours. AND I MEAN IT.!!

Thank you for your kind attention.
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answered on Jun 2, 2015 at 13:54
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We are not in the business of taking money for our opinions and "services". We are not lawyers. Having experience a bit here and there and has pooled our resources within our own area of expertise and experience to help those being oppressed by the Banks and bill collectors.

Banks and bill collectors are just doing their jobs in whatever way they can and these are people also with families to support. It is some of their methodologies that we are against. If they are doing it within their professional and moral ethics, we have no problem with that. Our problem is with those "expired loans" they are trying to collect with exorbitant interests and arm pulling tactics of the bill collectors. We do not promise that you will win all your cases as each case is unique with its own "variables". But if you think that you have accumulated debts through some careless judgment of your own (though we might still offer a helping hand in whatever ways possible) it is difficult to help when everything is in place.

Collecting data is not my cup of tea. It was during my collection days that I used the various methods to extract information. You can read my blog on the collection department and the "CSI" team. Actually it more or less an "open secret", well most of it because we cannot trust just any Tom Dick and Harry. If your case is gebuine we might move the discussion to somewhere more private. There are some people unfortunately use this forum for some "fishing" activities to learn about collection (Debt collector wannabe) or lacked training in collection since some Banks already engaged the services of Debt Collectors.

Okay, enough ramblings here. If you have a problem please be as detailed as possible so we can try to give the best suggestion.
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