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Suami bakal di isytihar bankrup, apa perlu aku buat???-update at #232
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tina^^ posted on 20-6-2013 02:48 PM 
at least you try.....
I always tell myself....problem is just a stepping stone for me to be a b ...
sedih tau....
seolah2 mcm ai panjat tower ..semakin luas pandangan dan pengalaman...semakin goyah kaki tower dan semakin kencang angin kat kita..seolah2 nak suruh kita jatuh terjelepuk kat bawah tu jer...
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nuryakmal posted on 20-6-2013 02:49 PM
just went to the court on that day. its 1st hearing. untuk sebutan kes....like what the lawyer men ... kalau tak setuju dengan receiving order tu, within 24 hours kena file affidavit ke jabatan insolvensi.
and penah tak org menang?
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botolmineral posted on 20-6-2013 02:50 PM
bertabah la ley...
laki hang tu dah manja terlebih lemak...
sebab ko sentiasa ada utk tolong dia.. ...
mmg itu pun ayat2 pedas ai pada dia selama 2 tahun nie...
ai kata ai kawen dgn dia dgn niat dia blh jadi guardian ai....jadi kapten kapal kitorang...
tapi kalo ai yang aturkan semua, jadi mak kepada anak2 ai dan bapak budak nie...apa ke jadahnyer???
dahla ai makin tua, muka pun ikut tua sebab stress
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sometimes if you change your address, and you jadik guarantor using old address , bila ada default in payment, pihak bank akan hantar letter or reminder to the old add. thats why kaka tak tau nama kaka balcklisted |
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leylapple posted on 20-6-2013 02:54 PM
mmg itu pun ayat2 pedas ai pada dia selama 2 tahun nie...
ai kata ai kawen dgn dia dgn niat dia ...
hmmm...
laki kalau kita dah selalu tolong dia naik lemak la...
rasa best je.. selesa...
aku selak2 benang ni rasanya ko terlampau baik hati...
aku dulu mcm ko jugak...
baik hati sgt...
bila kita ni terlampau baik org mula pijak kepala...
ye la, asek dibagi peluang kan...
tapi sekejap je berubah pastu buat perangai balik...
sekali keluar angin kus-kus aku haaaaa....
merasa la ko....
tp problem aku bukan pasal hutang piutang la...
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leylapple posted on 20-6-2013 02:52 PM
kalo tak setuju, kena hired lawyer?
and penah tak org menang?
usually orang tak hire lawyer. hakim akan buat penghakiman , berapa banyak u default, berapa lama u default how are you going to repay the debt etc. orang yang akan involve tu the lawyer from the bank themselves anyways. u actually should have a leter from a lawyer.. da dapat ke?
kaka mau challenge apa? your husband defaulted in payment.kalau ada rekod pembayaran tu lain la.. do u have that? kalau ada the petion for bankruptcy can be dismissed la.. but i highly doubt so la your husband simpan any rekod let alone bayar the loan........
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nuryakmal posted on 20-6-2013 03:09 PM
usually orang tak hire lawyer. hakim akan buat penghakiman , berapa banyak u default, berapa lama ... orang yang akan involve tu the lawyer from the bank themselves anyways. u actually should have a leter from a lawyer.. da dapat ke?
ai cuba tau dari classified ajer....
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nuryakmal posted on 20-6-2013 03:01 PM
sometimes if you change your address, and you jadik guarantor using old address , bila ada default i ...
mmg masa guarantee tu guna alamat rumah sewa..but i never changed my phone...
lagi satu, my car pun guna ambank, masih jugak surat utk keta ai samapi ke rumah yang ini..
takkan ambank tak centralise customer info dia?
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tapi kan kaka, ur husband buat loan ke? kalau hal kereta kena tarik tu ,highly like ly la procedure banckrupt ni, biasa personal loan atau rumah............
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nuryakmal posted on 20-6-2013 03:22 PM
tapi kan kaka, ur husband buat loan ke? kalau hal kereta kena tarik tu ,highly like ly la procedure ...
etahla...tapi ai ada berita baik sedikit nie...
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tina^^ posted on 20-6-2013 02:48 PM
at least you try.....
I always tell myself....problem is just a stepping stone for me to be a b ...
tina...
thanks a lot for ur help...
ai baru kol ambank HQ, and diorang pass kat org yang incas kes nie..
betul2 membantu....
dia kata blh lagi nak selamatkan kitorang dari status bankrup nie even dah panggil ke mahkamah....
oleh kerana dah final stage, kitorang kene bayar muka 10k dan bulan2 1k....
tapi apa2 pun dia kene cek kat bahagian legal dia pulak...
berbeza sangat2 dgn ambank kuching branch nie...
macam hampeh...
kalo ai tau, dah lama settle kisah nie..tak perlu nak bukak thread bagai..dan re opened lagi...
tak perlu ai rasa mcm nak 'bunuh diri' berendam air mata sesekali dalam 2 tahun nie...
tapi apa2 pun mmg bukak mata lah kat ai..jgn jadi bodoh sangat2...
walopun ai separa bergembira di hari khamis petang nie...tapi harap2 esok ada lah berita yang betul2 blh buat ai happy sangat2
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leylapple posted on 20-6-2013 03:20 PM
tak dapat pun any letter...
ai cuba tau dari classified ajer....
sebab dia sent kat alamat lama
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leylapple posted on 20-6-2013 02:52 PM
sedih tau....
seolah2 mcm ai panjat tower ..semakin luas pandangan dan pengalaman...semakin goy ...
leylapple. ko mmg superwoman. 
ye. aku setuju pendapat orang2 lain, aku rasa, laki ko tu take for granted lah. dia tahu, ko adalah superwoman akan menyelamatkan dia.
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hati hati la pada semua. jangan lupa bayar hutang. penat tau kemal masa menyita rumah orang dulu.. lelong tanah depan ptg siap ada loceng hookay |
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nuryakmal posted on 20-6-2013 04:22 PM
hati hati la pada semua. jangan lupa bayar hutang. penat tau kemal masa menyita rumah orang dulu.. l ...
lagi satu kemal...
pengajaran utk laki bini kat luar sana tu ha...rerajin lah cek nama korang kat akpk ka, jabatan insolvensi ka..mana tau dipakai oleh suami secara diam2....
skrg nie....mmg banyak musuh dalam selimut!!!
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leylapple posted on 20-6-2013 03:36 PM
tina...
thanks a lot for ur help...
alhamdulillah....syukurrrr....
benda2 nie sumer negotiable....u trylah negotiate puas puas cukup cukup......selesaikan hal nie for once and for all....tutup buku and move on...
u r going to settle ur part ajek ker or your husband's portion as well?? keakadang i rasa, husband tue elok blacklist / bankrup pon takper..xdelah dier merepek meraban pandai buat loan pehtu tak reti bayar.......kalau dier nak setel, dier setel sendiri. sekali sekala, kasik ajar la sket.....
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tina^^ posted on 20-6-2013 04:46 PM
alhamdulillah....syukurrrr....
benda2 nie sumer negotiable....u trylah negotiate puas puas cuku ...
yang nie takder portion dia or me...
2-2 kene utk kes nie..sebab dia loaner, ai pulak guarantor..
tgk dulu apa bank officer tu suggest esok....
paling teruk keadaan, biarlah ai lepas sorang pun takper....demi anak2...demi kepayahan ai carik rezeki dgn titik peluh ai sendirik...
sshnya nak carik rezeki halal..nak maintain rezeki halal pun payah...
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leylapple posted on 20-6-2013 04:54 PM 
yang nie takder portion dia or me...
2-2 kene utk kes nie..sebab dia loaner, ai pulak guarantor ...
i know how to make the bank separate both loaner and guarantor for husband and wife tue...so, instead of paying full, you pay only half (guarantor's portion) but, lets see what the bank has for you first...
yes...yes.....yg penting, nama you kena clear dulu....
Last edited by tina^^ on 20-6-2013 05:05 PM
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leylapple posted on 20-6-2013 04:37 PM
lagi satu kemal...
pengajaran utk laki bini kat luar sana tu ha...rerajin lah cek nama korang k ...
senang ajek nak check nama clear atau tidak...
pergi ajek dkt easy by RHB....masuk IC dlm kiosk tue...buat mcm nak apply loan...immediately dier akan check...nama ok ker sangkut....10 minutes ajek.....x lama
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Author
Post time 20-6-2013 03:01 PM
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