If you are currently under Agensi Kaunseling & Pengurusan Kredit Debt Management Program (AKPK DPM), I'd like to ask advice from you. I've defaulted my credit card payment ranging from RM3,500 to RM10,000 of credit limit, and 2 personal loans worth RM10,000 each. Think there's around RM60,000-RM80,000 worth of debt, I'm not sure because it's been so long since I receive or even bother to find out my current outstanding with the banks. Now that I finally have a better paying job and slowly getting my life back on track, I'd like to seek help from AKPK.
My questions are:-
1. One of the requirement before you get help from AKPK is that you'll need to have 3 months of credit statement of each bank that I owed. Is there a way I can get my latest statement without going through the banks? I don't think I want collection agencies start haunting me again..
2. I wonder how would AKPK proposed a suitable monthly instalment... Do share with me what's your actual debt amount, and the reduced debt amount after going through AKPK, and what 's your instalment like..
I can't wait to fix the damage I've done in the past and live my life to the fullest again... It was one hell of a lesson learned and thank God that I've been given a chance to improve my life again..
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asked on Oct 24, 2011 at 00:53
edited on Oct 15, 2016 at 06:16
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