How am I doing with my free debt management program? Well, great.

I have been able to make the repayment on time month after month, thanks to my online income and tuition fees.

Because of this debt management plan too, I am less stressed out and have more time to enjoy my life.

I can also pamper myself with acne or body massage treatments once in a while.

No kidding. There are more and more people looking for credit card debt management services after the holiday season than fat burners.

A buddy of mine who submitted his debt management programme in November is still waiting for the outcome.

Hopefully his application gets approved by this week or next week. I know he can’t stand the haunting calls, warning notices and legal letters any longer.

May God approve his debt management plan soon.

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.

So far, I have found the amount for auto loan installment. I am still looking for auto insurance premium and road tax renewal fees.

There are still some overdue credit card payments that are supposed to be paid this month. I really don’t know where I can find money to pay the overdue credit card payments.

I am praying that God helps me. I am so tired of my hefty credit card debts. God, please approve my debt management plan. I can’t take it anymore.

I have also been controlling my spending and expenses very strictly by buying necessities during sale times.

I was so anxious to know the progress of the debt management plan that I called up the debt management agency.

According to their record, my debt management program application had already been submitted last month.

It is still waiting to be assigned to a counselor. Once there is a counselor assigned to my debt management plan, it’s easy to know if my application will be approved or not.

For the time being, I just need to be patient. Keep on paying the minimum credit card payments and making money from promoting diet pills online.

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.

Hubby and I were in the city a few days ago. While shopping at a shopping mall, I was approached by a card executive promoting a balance transfer credit card offer.

If it were one and a half year ago, I would be very interested to get a balance transfer credit card. But not anymore. I just want to get rid of my credit cards and credit card debts in 3 to 5 years’ time.

I am praying that God is approving my application on the debt management plan.

At last, I successfully submitted my debt repayment plan (debt management plan) application form just now.

The first time I went to the office, I was told that I needed 3 months’ income statements to prove that I make certain amount of money every month. So I went home.

The second time I went there, I submitted the income statements and was given a 10-page form to fill up. Halfway through, I asked if I could give one credit card for online use. The counselor insisted that I must give up all credit cards, otherwise I couldn’t enroll myself in the debt management program.

Why wasn’t I told of more detailed information when I was there the first time? I was pissed off but there was nothing I could do. So I went home again.

This morning was the third time I went to the AKPK office. I managed to fill up the form with little help from the counselor. After checking all the details in the form, the counselor asked me to make a photocopy for the income statement, credit card statements and also the debt repayment plan application form.

It’s 11.30 am at that time and the counselor would go off for his lunch at 12 pm. I had to run downstairs very fast to get a photocopy for the statements and form at a nearby toys‘ store. Luckily, I was back by 12 pm and managed to submit the completed set of statements and application form to the counselor.

It’s going to take three months to process the application.