It’s your worst nightmare. You have been unemployed for more than 6 months and is no longer able to service your RM8000 credit card debt.
AND, now, the bank is coming after you.
The bank sends you a letter demanding the debt be paid full with interest. If not, legal action will be taken against you.
Are you feeling trapped? Don’t know what to do next and wondering who can help you out of this jam?
Help is available!
Contact Agensi Kaunseling and Pengurusan Kredit (AKPK). They are here to assist you in sorting out your debt problem.
What is the AKPK?
AKPK was set up by Bank Negara in 2006 to help individuals to take control of their financial situation by giving advice and educating the public on personal financial management.
It also provides an avenue for the public to receive advice and counselling on personal financial-related matters.
What does AKPK offer?
Do you know that AKPK offers counselling and advice on managing your finances wisely?
Their counsellors are there to help develop a personalised debt repayment plan with your financial service providers.
What AKPK provides?
- Financial education - AKPK provides financial education materials on the proper use of credit and basic money management as well as tips on how to use credit responsibly.
- Financial counselling - AKPK offers counselling and advice on managing your finances wisely – from budgeting, money management and credit related issues.
- Debt management programme - Their counsellors will work with you to develop a personalised debt repayment plan in consultation with your financial service providers.
How to get in touch
If you are in debt or just need extra info about AKPK, then click here to contact them.
Still thinking? Check out their website or call them up.
Pic credits: kiplinger.com