Is There Really Such A Free Debt Management Programme?

“Is there really such a free debt management programme?” Yes, but you must be a Malaysian in order to enroll in the debt management plan.

The free debt management program is offered by AKPK, Agensi Kaunseling dan Pengurusan Kredit, in Malaysia.

As a credit-card-debt woman who has been in AKPK’s debt management program for a year now, let me assure you that it’s a free DMP that involves NO credit counseling fee, NO enrollment fee and NO monthly service.

It’s normal that when you are looking for help with a financial crisis, you may wonder if AKPK is really a free of charge agency that can help you. The answer is YES.

You may have heard of for-profit and non-profit credit counseling and debt management agencies, but they don’t exist in Malaysia. There is only ONE credit counseling and debt management agency that provides free credit counselling and debt management programme services in Malaysia so far.

Like you, I am worried about hidden charges too. Malaysian banks, agencies and companies are simply too notorious for charging surprise fees and hidden charges to consumers. Fortunately, I haven’t been charged any fees by AKPK so far.

With the faltering economy and free credit counseling and debt management services offered by AKPK, the number of people seeking help from the agency has increased tremendously.

If you think that you are in need of help for your financial trouble, you had better waste no more time. Waiting may only end up costing you more. A few days’ time can mean the difference between settling a debt or watching it go into a default status and having third party collection involved.

Hurry! Go to a nearby AKPK branch, attend its briefing and fix an appointment to see a credit counselor there and understand what a debt management program is.

A debt management program is a good way to take care of an escalating credit card debt and other money problem without having to declare bankruptcy or deal with collection agencies.

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