I have been getting questions about AKPK’s debt management program and its application.

Remember I told you that the number of people asking and applying for debt management programmes will increase after the holiday season?

If you would like to read more about AKPK’s debt management program, look at the Categories section and find Credit Card Debt Repayment Plan.

All my AKPK stuff and application posts are in the Credit Card Debt Repayment Plan section.

Thanks ! But still received d call from bank asking for money.

Hi, Chong,

Sorry that I just saw your comment. I seldom check my comments now.

If you are a blogger, you’ll understand why I don’t read or approve comments anymore.

Okay, back to your question. Do you mean you still receive calls from banks even if you are now under the AKPK debt management program?

How long have you been under the debt repayment plan? If it’s only a month or two months, it’s inevitable that you’ll still get calls from the banks.

Just tell them you are now under AKPK debt management program. Or if they want any proof, fax the AKPK debt management program agreement to them.

Once they get to see the agreement, you’ll hear no more calls from them…;D

Although I am busy selling pet beds or cordless drills these days, I will still update this credit card debt blog every week.

So, do still drop your comments.

I have credit cards from few banks accumulated from the year 1998. Since then I was unable to pay off my credit cards as my financial situation getting worst and worst and credit cards interest increasing tremendously high!

From a $3000 credit card ended up till to date I am owing about $15000 for 1 card. Imagine I have 4 cards, altogether I’ m owing credit cards it self about 60000-70000k!!

I HOPE AKPK COULD HELP ME ON THIS. I AM PANICKING! PLEASE HELP ME!

Hi, Suzana Wong,

Hope that you are reading this post. Call to AKPK and make an appointment with their counselor.

I understand your panic and stress. I have been there before. Sometimes it’s not the credit card debt you owe that freaks you out. It’s actually the finance charges and late payment fees that add up so fast that you feel like suffocated.

Perhaps reading my bumpy journey from submitting my debt management application to being approved of the debt management program can give you confidence in getting debt free relief help from AKPK.

AKPK provides FREE services, don’t worry.

Before the debt management program, I thought my future would be bleaker and bleaker. Worked hard and paid off credit card debt day in day out until I settled my life. No extra cash in hand for a bit of entertainment.

There were days when I couldn’t bear with the haunting calls from banks and warning letters from creditors that I cried under my heated blanket. I was so helpless.

Do you know that your credit card companies and banks encourage you to get debt free help from AKPK?

I am glad that I was able to pay $600 back to my brother-in-law this morning. If I hadn’t been under the AKPK debt management program, it wouldn’t have been possible for me to squeeze out $600.

By the end of this month, I will bank in another $400 to him. This makes the money I still owe him is $1,000. My goal is to pay him back by February 2009.

I signed the AKPK debt management program offer letter yesterday. Yes, I am now under the AKPK’s debt management program.

I am so relieved now. Though it takes longer to pay off my credit card debt, I don’t mind. As long as there are no more phone calls and legal action notices from the banks for some time, I am fine with 5-year, 6-year or 8-year repayment period.

Just give me one more year to build up more niche blogs and stores. By then I can make full payments for some small amount of credit card debts and thus shorten the repayment period to less than 5 years.

The AKPK debt management program counselor called yesterday morning! Finally, the call that I was waiting for so long came.

I was told to go to the credit management agency this afternoon to sign the debt management program offer letter.

Until now, I still can’t believe that I have got the debt management program. Does signing the offer letter mean that my debt management plan is approved?

I think I will only believe it’s true after I sign the offer letter this afternoon.

As I have no more credit card with me, I can only use cash in future. If I want to buy cheap stuffs like groceries or expensive gifts like engagement rings, I must use cash.