When En. Rosman* retired from the postal service in 2005 he had a lot to look forward to. His family could not wait for his retirement as they want to spend time with him. En Rosman had a comfortable retirement plan. Free from debt and equipped with over RM 60,000 in his EPF, En. Rosman was looking ahead to a hopeful future. En. Rosman felt that as a responsible father, he must secure a better future for his children by providing a better education for them.

Unskilled, retired but yet very determined, En. Rosman sought out the only way he thought he could make money, a get rich quick scheme disguised as a multi level marketing. At first it seemed like the investment would pay off, En. Rosman relaxed and felt assured that his dreams would come true. He started spending more, certain that a better lifestyle is in store for him and his family. En. Rosman convinced himself that after all the years of hard work; he earned the right to spend. He felt his family deserved material things. He knew they deserved to be happy. Soon enough however, like every other get rich quick schemes En. Rosman lost all his money when the company disappeared. All his EPF savings was gone with the company in a blink of an eye.

His lost prompted him to seek out easy credit to pay his bills and feed his family. When he ran up his credit card bills, he simply had no choice. Without a job and insufficient income, En. Rosman had carelessly used his credit cards to sustain his family’s wellbeing. To further support his family En. Rosman started giving tuition classes to the neighborhood children while his wife provided babysitting services in their home. However the temptation of exploiting the credit cards was far too great. His desire to get rich quick once again prevailed itself when En. Rosman paid heavy subscription fees that he could not afford, hopeful to win contests and sweepstakes where the chances of winning was a million to one. Without realizing it En. Rosman was suddenly more then RM43, 000 in debt and was far from resolving it.

When En. Rosman lost all control of his finances and was constantly harassed by creditors; he decided that it was time to seek the help of AKPK. AKPK managed to liaise with the banks to lower his interest charges on all four credit cards and further restructure his monthly installment to only RM500 a month for 3 years. The payments after that would increase by RM200 for another 5 years. En. Rosman was also advised by the agency to give up his car to the financer and instead use his motorcycle as a mode of transportation. This would enable him to cut down monthly expenditures for the car while freeing up cash for household expenditures. The AKPK plan was something En. Rosman could handle. Due to the help and attention given by
AKPK towards En. Rosman’s finances, he could finally live a more financially comfortable life with his family; far from the threatening calls of creditors.

**Note: For purposes of confidentiality, the real identity of the people involved in these success stories are not disclosed