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Bankruptcy status??
Where to check bankruptcy status??

New MessageBankruptcy status?? (modified 0 times) Miserable KT
Hi there,

I'm now age of 35.
Case happen 10 years ago.
My dad is doing his own biz & i'm one of the director.
By that time, i'm holding 5 Gold C/card.
He bought a RM60K shop lot apartment under my name.
By the time the apartment complete & need to pay instalment, the company facing financial problem.
He didn't pay a single instalment till it being auction.
My dad ask me to withdraw all the cash from all my c/card for rolling.
Roll & roll & roll for about a year by paying minimum payment & then withdraw them out.
He apply a CGC loan of RM70K. And i'm one of the guarantor.
The loan terms is RM40k cash to our bank & RM30K must put into FD.
The company faced critical financial problem & unable to pay the RM40K.
The company closed down & i have to work with others.(a Japanese company)
I'm being paying minimum payment about a year & give up at last.

All the bank is suing me at that time.
I'm really lost & dare not attend the court coz with salary of RM2.3k/mth, how to pay such a big debts.
The collectors called to my company & told my management about this issue.
From that day onwards, I've to run away from collectors.
And end up in a local company for about 7 year without EPF & they agreed to bank to my wife account.

Currently, i've been intro by a friend to interview in a US company in Subang. Which can offer me RM7k/mth as a Senior Procurement Engineer.
And I might need to deal with some supplier in Singapore.
But i don know what's my bankruptcy status.
After i told them about this issue, they need to reconsider of employing me.

I'm sad with anger.
Can anyone help me on these?
Is there any cheap & fast way to discharge?
Btw, as i saw some post here, what is the purpose of AKPK & JIM?
Can it help in my case??

Please advice.
Thank you.

24 Apr, 2010 02:24:54

New MessageRE:Bankruptcy status?? (modified 0 times) LH59
Go to the link below as given by notalawyer, chk yr status.
www.imi.gov.my
If cfm you're bankrupt, go to JIM, get all yr files in order.

Jane1963, pls adv Miserable KT on applying for p/port to work o/seas.

Miserable KT, there's a solution to all problems. We were all there, that's why we are here. No worries, put yr bag of burden down, am sure YOU can solve them one by one.

Good Luck!!!!

24 Apr, 2010 11:22:05

New MessageRE:Bankruptcy status?? (modified 0 times) Miserable KT
Thanks LH59.

I'll check on that link.

Hope you guys can guide me the way.

Thanks.

24 Apr, 2010 16:26:48

New MessageRE:Bankruptcy status?? (modified 0 times) Miserable KT
Hi LH59,

Sorry, i'm a bit dumb.
Can't find which categories to chk on my status.

Hope yopu can give me more guide.
Tq tq..

24 Apr, 2010 16:45:38

New MessageRE:Bankruptcy status?? (modified 0 times) vkpc
Looks like the Travel Status Enquiry System is down today.

The employers have no right to fire you just because debt collectors come to kacau.
You can sue them in Industrial Court for Unfair Dismissal.

24 Apr, 2010 20:25:22

New MessageRE:Bankruptcy status?? (modified 0 times) Jane1963
Miserable KT

Don't give up yet. Don't let this bankruptcy pull you down. The hardest part is to accept the fact you "might" have to join this big "bankruptcy" wagon. Face it. You are still young. It is not the end of the world. Any questions, please ask. We have many experience fellas here that is able to help.

If you interested to work overseas, read thru my thread "Process/steps in opening file with JIM". Any questions, pls feel free to ask.

Good Luck.

24 Apr, 2010 22:28:48

New MessageRE:Bankruptcy status?? (modified 0 times) LH59
Miserable KT, you're in for luck here. With vkpc and Jane1963, you'll hv a field day - you ask, they field!!

And no......you're not dumb......you juz need lots of assurances and no worries, you get tonnes of them fr the likes of us here. And vkpc is right, (you scroll further down, see SSPI - Travel Status Enquiry System)it's "Under Constuction". If urgent, you might go JIM's counter, get them to chk.

Jane1963 is right, the hardest part is accepting the fact tt you're a bankrupt!! Once over the hurdle, you'll find life still has to go on. So face it! Most of us did

Pening, any advice fr yr end? peter538? See? these are all yr new found 'friends'. We'll try guide/help you thru but pls remember.....you'll hv to help us to help you!!!

Good Luck!!!

24 Apr, 2010 22:59:22

New MessageRE:Bankruptcy status?? (modified 0 times) Barney
Miserable KT

Have faith. Don't give up. Go to JIM and get advise. Read as much info as you can from the threads here. Very helpful and it's true. Many good people around to offer advise. I'm seeking advise for my friend's case too.

All
The link you're looking to check the Exit Status of a person is actually here. I hope this link will help.

http://imi2.imi.gov.my/sspi/

25 Apr, 2010 00:06:27

New MessageRE:Bankruptcy status?? (modified 0 times) Miserable KT
Hi Barney,

Thanks for the link.
It shows no restriction.

Anyway, I'll go to JIM to check this out.
But to discharge my name, am I gonna go to AKPK to propose the repayment?
But few hundred a mth, i don think they will accept.
Or to declare bankruptcy & pay them later?

Please advice?
Tq.

25 Apr, 2010 02:22:59

New MessageRE:Bankruptcy status?? (modified 0 times) notalawyer
If www.imi.gov.my shows no travel restriction, it means you are not a bankrupt.
There is nothing to discharge.

If it has been more than 6 years since the letter of demand from the CC bank lawyers,
they can't take any action against you now.

You are now free.

25 Apr, 2010 08:27:51

New MessageRE:Bankruptcy status?? (modified 0 times) Miserable KT
Hi Guys,

I went to Bank Negara to check my bankruptcy status.
I was sue bankrupt in 2007.

I went to JIM & got my file no.
I've made an appt with AO tis Wed.

A company offer me a very good pay job.
But the thing is, i'm unable to open up a bank account.
Due to tis job, i might need to go Singapore for sourcing.

As a bankrupt, are unable to open a bank acc & travel oversea.
What shall i do or request my AO to help?

Please advice....

16 May, 2010 03:00:26

New MessageRE:Bankruptcy status?? (modified 0 times) Jane1963
Miserable KT

As a bankrupt, are unable to open a bank acc & travel oversea.
Answer : Even as a bankrupt, you HAVE to work so you could afford to pay monthly installment to JIM. YOU CAN
TRAVEL TO ANYWHERE IN THE WORLD TO WORK. The only problem is that you hv to get permission from JIM. It
will takes about 2 weeks. Please read thru my thread "Process in Opening File with JIM". I hv helped my
spouse for 4 times going thru this process. My advise is that you have to be mentally prepared for any 'bumps & bruises' especially dealing with JIM for the 1st time.

There are few threads that explain how to open a bank account. Take sometime to read thru most of the threads here. It really helps.

16 May, 2010 15:00:13

New MessageRE:Bankruptcy status?? (modified 0 times) Miserable KT
Thanks Jane1963,

Will update once met my AO.

17 May, 2010 23:55:17

New MessageRE:Bankruptcy status?? (modified 0 times) Miserable KT
Hi Guys,

I went to JIM & met my AO.
They request me to pay RM400/mth.
It's min 10% of my salary.

Do i still need to mtg with creditor to nego abt the repayment?
But my AO didn't mention to me.
I'm a bit confuse here.
Some said, propose to JIM only.
Some said, need to nego with creditors abt the repayment.

Now the big problem is, i need a bank act in mid of June.
Coz i'm gonna join a new company that the need to bank transfer salary to my own bank act.

I'm checking my hutang balance from few bank that i hutang.
Once they heard me says wanna report to JIM, the said they will get back to me.
If this guys drag me 1-2weeks then mati la. (don have enough time to open an act le)
What should i tell them?
Juz tell them that i want my act balance without telling them abt JIM??

GUYS,
ANYONE CAN COMMEND???
REALLY CONFUSE ME LA.
REALLY JUZ WANNA OPEN UP A BANK ACT & PAY THEM MTHLY INSTM.

21 May, 2010 16:39:57

New MessageRE:Bankruptcy status?? (modified 0 times) nar7890
I'm bankrupt as well but manage to open bank account with ambank, no questions, nothing! took me 10 minutes to get it! I also just opened another account with public bank coz my company only use public for payments, all i needed was a letter from my company.
Best of luck dude!
08 Feb, 2011 23:08:17


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