Debts or Loans is the second highest factor of personal bankruptcy in Malaysia. This scenario resulted from over spending, purchase of luxurious goods, buying beyond our means and even property market speculation. Of course, this could also arise from losing our job which immediately impacts our ability to pay for our basic needs and lending commitments and consequently create a situation of debts and non-performing loans. There must be contingency plans when these scenario, and they are getting more common, happens.