Most Malaysians are falling into financial debts due to inability to pay off their credit card or personal loans. Statistics show that debts occur because of uncontrolled temptation and peer pressure. Hence, their cash flow is crippled when their debt payment increases more than their gross income. This further leads to bankruptcy. How do we curb this from happening from the very beginning? How do we get out from severe debts, where to seek assistance to manage/reduce debt? You have come to the right place, let us guide you!