Get expert guidance through Malaysia’s official debt management program. Our financial consultants streamline the AKPK application process, improve acceptance chances, and provide ongoing support throughout your debt recovery journey.
The Agensi Kaunseling dan Pengurusan Kredit (AKPK) offers a valuable lifeline for Malaysians struggling with overwhelming debt through their Debt Management Program (DMP). However, navigating the application process, preparing the necessary documentation, and meeting eligibility requirements can be challenging without expert guidance.
At Mplus Marketing, our specialists have extensive experience with AKPK’s processes and requirements. We provide comprehensive support throughout your AKPK journey—from initial assessment and application to implementation and ongoing management—ensuring you receive the maximum benefits this government program offers.
Our expertise in AKPK criteria and documentation requirements significantly increases your chances of program acceptance.
AKPK plans often reduce interest rates, waive penalties, and create manageable payment schedules tailored to your income.
Transform multiple debt obligations into one consolidated monthly payment through the official government program.
Gain protection from legal proceedings by creditors while enrolled in the AKPK program.
Begin rebuilding your credit profile through consistent, structured payments under AKPK supervision.
Benefit from AKPK's financial literacy programs alongside our personalized guidance for long-term stability.
Pay for our consultation services only after successful enrollment in the AKPK program.
We evaluate your current financial situation to determine if you’re an ideal candidate for the AKPK program, considering factors like debt types, amounts, and income stability.
Our experts assist with gathering and organizing all required paperwork, including financial statements, debt records, income verification, and expense documentation.
We help complete the AKPK application forms with precision, presenting your financial situation in the most favorable light for acceptance.
Our consultant can accompany you to AKPK meetings, providing support and expertise during discussions with AKPK counselors.
Upon acceptance, we help coordinate with creditors and ensure a smooth transition into the program.
Receive continued guidance throughout your AKPK journey, including assistance with payment management and periodic reviews.
The program is available to Malaysian citizens or permanent residents.
Regular income is required to demonstrate repayment capacity.
Eligible debts include credit cards, personal loans, and certain housing loans under RM300,000.
Evidence of genuine financial difficulty affecting repayment capacity.
Commitment to follow the program requirements, including financial education sessions.
After a business setback, I was drowning in debt across multiple banks. My Mplus consultant guided me through the entire AKPK process, helping me prepare all the documentation and explaining what to expect. The AKPK program reduced my monthly payments by 45%, eliminated the accruing interest, and gave me a clear 5-year plan to become debt-free. Mplus's expertise made all the difference in my acceptance.
Kuala Lumpur
I was overwhelmed by the AKPK application process and had been rejected once before. Mplus helped me reorganize my financial documentation, coached me on how to present my case, and provided support throughout the entire process. With their help, I was accepted into the program and now have a sustainable path to managing my RM87,000 debt.
Penang
The AKPK program consolidates your eligible debts into a single repayment plan with reduced interest rates and often waived penalties. You make one monthly payment to AKPK, which then distributes funds to your creditors according to the negotiated plan. The program typically runs for 5-10 years until your debts are fully paid.
Enrollment in the AKPK program will be noted on your CCRIS and CTOS reports. While this may temporarily affect your ability to obtain new credit, successful completion of the program helps rebuild your credit standing over time. Many clients find this temporary restriction beneficial as it prevents accumulating additional debt.
AKPK typically handles unsecured debts such as credit cards, personal loans, and overdrafts. Housing loans under RM300,000 may qualify under certain circumstances. Secured loans like car loans generally cannot be included, though AKPK may still provide advisory services regarding these obligations.
The standard AKPK application process takes 3-4 weeks from initial submission to acceptance. With our expert assistance in preparation and documentation, this timeline can often be expedited, particularly for well-prepared cases.
Contact our AKPK specialists today for a free, no-obligation assessment. Discover how our expert guidance can increase your chances of AKPK program acceptance and create a sustainable path to financial recovery.