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Muflis atas pinjaman syarikat orang lain.

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asked on Jul 31, 2022 at 21:09
by  
edited on Jul 31, 2022 at 21:09
by   chef simon
Assalamualaikum dan salam sejahtera.
Nak minta khidmat nasihat berkenaan case saya.,

Saya berusia 49 tahun...telah mempunyai keluarga dan anak seramai 5 orang ( masih bersekolah) dan isteri tidak bekerja.
dan tinggal di flat Petaling Jaya.Oleh kerana masalah ekonomi saya terpaksa bekerja di luar negara sejak 2016...tinggalkan anak dan isteri di malaysia.

1-Cerita dia macam ni...kawan xxxx ni guna nama saya sebagai Director (syarikat pembinaan)sejak 2006.
  untuk nak bagi nampak macam company melayu.Ada orang tanya napa bagi nama orang pakai..? sebab saya dulu gaji kecik.dan tanggungan banyak.Sekarang ni saya dalam proses bankruptcy and no way of avoiding it...masalah muflis atas pinjaman syarikat ni.
(Syarikat adalah SDN BHD bukan enterprise )

2-Sejak 2006 syarikat tiada masalah...tapi sebab covid nie sejak 2 tahun lalu syarikat ada masalah. 
 dan baru baru ni saya dapat surat lawyer mengatakan saya dalam proses bangkrap...Notis prosiding bangkrap sudah pun diklankan di Berita Harian..dan account maybank saya pun dah freeze tak boleh lagi buat transcation.....

3-Bolehkah saya mengelakkan status bangkrap? nak bayar hutang syarikat tu memang tak mampu..jumlah yang dipinjam amat tinggi..dan saya rasa tak worth it jika saya yang membayarnya.
Lagipun yang case muflis nie duit bukan saya dapat pun (kawan xx yang buat pinjaman syarikat).

4-Saya kalau atas personal loan sendiri,loan rumah, credit card saya memang jaga betul dari segi payment...tak pernah miss bayar.tapi tak sangka sebab kawan xxxx tu saya jadi macam ni...beyond my control....teraniaya dan dikhianati betul..call kawan xxxx pun dia tak angkat, dan whataps tak reply..pergi office pun dah tutup..so stupid saya  ni...percaya orang....

5-Fikiran saya sekarang amat buntu dan celaru,terasa hidup kelam dengan case ni. Ada info cakap saya dilindungi dan aset tidak disita.(atas status director @ penjamin syarikat SDN BHD).cuma pegang status bangkrup je..(pinjaman oleh syarikat SDN BHD tapi duit sesen pun saya tak dapat.Benarkah info tersebut?

6-Saya takde apa apa aset ..( ada rumah flat dan motor buruk je ) wife dan anak seramai 5 orang kat malaysia dah takut dan risau rumah akan kena sita dan tiada tempat tinggal.lepas case muflis ni saya feeling totaly lost..rasa kosong je hidup ni....ingat dah usia diambang senja  nie ada lah duit asb dan epf untuk hari tua..tapi sayang semua dah kena freeze..

7)Saya pun dah google dan ada baca beberapa forum... memang takde cara lain dah ,saya kena jumpa person in charge pegawai insolvensi(JIM).Yang paling takut passport akan diblacklist untuk pergi oversea...sudahlah saya mencari rezeki di bumi asing.. 

terima kasih atas bantuan dan khidmat nasihat.
SMY
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answered on Aug 8, 2022 at 22:55
by  
edited Aug 8, 2022 at 22:57
by   jeff005
chef simon

2)mr jeff sudah lepas dari bangkrup?
No.. i was never bankrupted before. I was only served a Notice of bankruptcy.

Q.. Are you worried now?
All your Qs was answered by ME.. How accurate can it be?
(a non bankrupt, non lawyer dare to answer bkcy issues and Qs?)

My Q.. Does one has to be a doctor to dispense some simple herbal meds treatment for simple illness? Do I have to be a doctor  to recommend taking of panadol for forehead temperatures of less than 38 degrees C?

1)saya akan balik malaysia untuk hadir case..

If i,m not mistaken, either you are coming to fight the bkcy or to be bankrupted and report in to JIM the next day and then apply to fly back to VN to work the next week or so... right??

Let me tell you what can happened, you can be stuck back in Malaysia for the nest few 3 months or so...

1.  The benk lawyers can postpone the case for another month or so at the last moment and make an application to the High Court to seized your passport. A fight can take months. 

And if your passport has expired for over 6 months, IMI may not issue you a new passport for 1 year.

One is bkcy ban, and other is IMI passport issue ban by different agencies.

2.  From the posts by those newly bankrupts, it takes around 2 months for JIM to write to you and give you the first appointment. Without JIM letter, you cannot repot in directly or request for earlier date. It goes "by Queue".

You did not ask those Qs I asked from you, hence the above is pure speculations.

If you are coming home for good :  Welcum Home..
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answered on Aug 11, 2022 at 09:16
by  
Mr jeff005 

thanks Mr jeff005  ..

i am now at malaysia already.. and decide to stay at malaysia ..together with family mengharungi this problem bersama sama.
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answered on Aug 11, 2022 at 22:29
by  
That is the honorable way to deal with your personal problem without stressing your wife and 5 children.

May ALLAH Bless U and ur Family..
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answered on Aug 12, 2022 at 17:51
by  
thanks my jeff..
atas info ...
..i  have suffered mentally and financially due to my ignorance to the law and to accept blindly as director of a mismanaged company and irresponsible shareholder and I have to bear the consequences.....

hope ada sinar kebahagiaan dimasa depan bersama keluarga tercinta..
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