Let me, a credit card debt woman who is now under AKPK’s debt management programme, tell you that AKPK (Agensi Kaunseling Dan Pengurusan Kredit) can save you from drowning in debt sea or filing for bankruptcy.
You can avoid bankruptcy if you get help from AKPK’s credit counseling or debt management programme.
Like you, I came across AKPK’s advertisement when I was watching a business program last year. In April 2008.
Read my first post about AKPK. I didn’t get help from AKPK at that time.
But in August, I couldn’t stand my credit card debt anymore. I paid a credit counselor a visit at AKPK Ipoh branch.
Read my real story of submitting my debt management programme application. Part 1, Part 2.
It’s not a smooth-sailing experience, but it’s worth the time and trouble considering that I don’t have to pay more than RM1,500 for minimum payments anymore. And most important of all, I won’t be charged of 18% interest finance charges and hefty late payment fees anymore.
Now I pay RM320 per month for my credit card debt. I feel good that I have extra money to be saved as emergency funds.
If you are drowning in credit card debt and feel like filing for bankruptcy, don’t! Let AKPK help you.
