Some readers know that I am still waiting for AKPK‘s debt management program counselor to call me. Yes, I am still waiting for the phone call.

To be honest, I am very stressed out now. Some of my credit card minimum payments are more than 2 months overdue. There have been phone calls and notices from the banks. Oh, God.

I want to say some prayers first before I go search for some Miele vacuum cleaners for my buddy.

I have to emphasize that the debt management plan service provided by AKPK is FREE. I must keep telling you about this because I found out some Malaysians selling the debt management plan information.

I am pissed off because people like me who are loaded with credit card debts are trying hard to find out ways of paying down credit card debts fast while these Malaysian entrepreneurs are digging money from our pockets for some so-called credit card debt solutions or secrets to pay off your credit card debts in 24 months, 36 months or 48 months.

Of course, you as a credit card debtor should also be blamed and laughed at if you buy those credit card debt solutions or secret tips to eliminate credit card debts in 24, 36 or 48 months.

Check the newspapers and magazines, surf the internet or drop by at the nearby banks if you want to know all the FREE credit counseling service and debt management program.

Enough ranting. Going out to buy a newly launched pimple cream.

It seems that many Malaysians are deeply in credit card debts and desperate to find ways to pay off their credit card debts or restructure their credit card debts.

I have already submitted my debt management program (debt repayment plan) to AKPK. I can only know if the application is approved or not in December. Of course, I hope it can be approved as soon as possible so that I can heave a relief. Imagine paying only $310 monthly for all credit card repayments!

If you are a Malaysian, loaded with credit card debts, desperate to restructure your credit card debts and ready to give up all your credit cards, read my posts related to AKPK the credit counseling agency for Malaysians.

It’s FREE to apply. Call up the agency and make an appointment with their credit counselor.

Again, it’s FREE service.

It’s tiring to have run to AKPK three times before successfully submitting the debt management program application.

If the counselor had been very helpful, I wouldn’t have needed to go there for 3 times. He should have told me all the details that I should know so that I got everything ready at one shot. It’s lucky that I don’t live very far away from the agency.

The counselor is not as professional as I thought. I wonder if the agency runs an employment screening first before hiring a staff.

To apply for the AKPK‘s debt management programme, I need to have income statement to prove that I make certain amount of money online.

All my online income is transfered from PayPal to this debit card. I am not sure if they accept my Tune Money Visa Debit Card’s transaction statement. After all, Tune Money is not a bank.

If my application is approved, I will recommend this credit counseling and debt management agency to more Malaysians.