A bankrupt is not allowed to make direct payment to the creditor and all payment has to be made through the DGI. The payment will be credited into the estate account and distributed to the creditors who have filed in Proof of Debt.
Source : http://www.mdi.gov.my/index.php/faqs/bankruptcy
By Bankruptcy Laws, an Adjudicated Bankrupt have to report himself/herself to Jabatan Insolvensi Malaysia (JIM). On reporting in to JIM, a Bankrupt have to submit personal declarations via a Statement Of Affairs (SOA) and attested by a Commission Of Oaths. The Bankrupt will be assigned to a Official Assignee (Pegawai Insolvensi) who would administer the affairs of the Estate account of the Bankrupt. The OA will send letters and notify to all the "Other Creditors" stated in the SOA requiring them to file Proof Of Debts (POD) to JIM.
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