When Mr. Ramon* stepped into our premises; he was three years into battling a debt he previously knew nothing about. Back from the United States after residing there for 15 years, he came to find out rather shockingly that he was RM66, 000 in debt due from credit cards.
 
This information startled him, as he was extremely sure that he paid all his debts off before leaving for the United States. When he checked with the banks, he found out that it was not an outstanding balance that he did not pay causing the debt, but rather his lack of foresight when he forgot to cancel his credit cards. Both the banks levied finance charges on membership fees and the amount just ridiculously ballooned in matter of years.
 
Even after numerous negotiations with both banks that stretched over a span of three years, he still could not get them to concede by retracting or reducing the amount on the accounts. Needless to say, when he heard about AKPK, he had all but lost hope. In matter of days we negotiated with both the banks on his behalf. We also managed to secure Mr. Ramon a ten-year tenure to pay off the loan.
 
However, Mr. Ramon, like many of our other clients, showed absolute determination in paying the loans, and paying it back fast. After a few short months he managed to come up with a lump sum payment to settle all the outstanding owed.
 
He then again approached our counsellor for advice. After second negotiations with the banks, our counsellor was able to get Mr. Ramon a further reduction on his outstanding.
 
Mr. Ramon settled with both the banks on the same day and now prudently manages his finances.

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