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Cara Mohon Pelepasan Bankrap

367 Views  ⚫  Asked 5 Months Ago
asked on Apr 12, 2022 at 14:14
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Assalamualaikum dan salam sejahtera.

Saya telah diisytiharkan bankrap pada tahun 2015 dan mula melaporkan diri ke Jabatan Insolvensi pada tahun 2017. Jenis pinjaman ialah pinjaman peribadi dari Bank Rakyat yang berjumlah RM86K termasuk faedah. Saya telah membayar ansuran bulanan yang ditetapkan oleh Jabatan Insolvensi sebanyak RM100 selama 5 tahun. Saya bekas pekerja swasta dan sehingga sekarang menjadi suri rumah dengan 4 orang anak, tiada pendapatan sejak tahun 2014, bergantung sepenuhnya pada sumber pendapatan suami yang hanya berjumlah RM1700++ dan dia juga mempunyai komitmen bulanan dengan bank selain bil dan perbelanjaan bulanan seisi rumah. Dan baru-baru ini saya telah disahkan mempunyai penyakit scoliosis (tulang belakang bengkok) oleh klinik panel majikan suami dan memerlukan kos perubatan untuk rawatan dan sebagainya. Soalan saya ialah apakah cara yang sesuai dan sebab yang munasabah untuk saya nyatakan dalam permohonan pelepasan bankrap? Dan jika baki jumlah pinjaman peribadi masih tinggi, ada peluang ke untuk permohonan pelepasan bankrap saya ini dipertimbangkan?

Jumlah keseluruhan pinjaman : RM86K, Ansuran bulanan insolvensi : RM100×60bulan(5 tahun)=RM6K
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1 Answers

answered on Apr 12, 2022 at 16:53
by  
edited Apr 12, 2022 at 17:38
by   jeff005


Sharing of personal experience with  Scoliosis (6 months ago).

Both my doter (30) and son (16) went for treatment for abnormal bending posture and occasional back pains.
Visited Private Chiropractor. First basic treatment costs RM500 (incl F,B, Side - x-rays).
Prognosis :
Nothing concerning scoliosis.
Caused by bad sitting posture due to lockdown and WFH as well SFH (online classes) and lack of exercises, remedied after 3 months of soft & hard physiotherapy.

Most people after age of 50 have some form of "vertical bending" due to bad posture and lack of exercises and can be rectified by visits to a Govt Hospital (Physiotherapy Unit). I had my "cold shoulder" and "trigger fingers" issues rectified in HUKM.

@ nurelina143

It is on the on the presumption that you would like to apply for discharge of bankruptcy on medical grounds.

Scoliosis is not life threatening health issue.
It can be rectified with time by attending Physiotherapy sessions in a Govt Hospital. Private Kliniks treatments is not acceptable by JIM.

Since you reported into JIM in 2017 (late), it may fall back into the 5 years Case Management with JIM. Although nearly 5 years have been completed, the new bankruptcy discharge application requires one to complete at least 50% of the POD debt (total monthly contributions) which is around 45K as in your case.

The best option is to consult your OA (Pegawai Insolvensi) and not this forum.

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