unable to pay off

You may take the advice of a debt counselor and do some arrangements on your debt repayments. If you sign for a consolidation program, payments will be affordable and you'll come out of it with proper management. If you have registered here for the free counseling, someone will call you shortly. If this isn't the perfect pick, find few other options here.

in fact im not from US, im from Malaysia, is it u all still can give me a hand?
Can youpls give me a reply? i really need help!!! pls~~~ :cry:

I doubt the credit counseling services are extended to Malaysia. Do you have someone in US who can take care of your debts and be in touch with the consultant?

siewlee24, if you would please post here what your native language is and I will reply to you in your native language so that you can understand if English is hard for you, also without giving your actual address please let us know what city you are located in, with this information I can research credit counseling in malaysia for you. keep posting and good luck

Welcome to the forums. If you are from anothyer country I think you will need to seek advice there. Legal Sound Advice from a trained professional. I am sure the law varies from country to country. Good Luck to You and keep osting and let us know how you are doing. KYSIDE38

hi, firstly im thanks for above replied, im sure i had no problem with enlgish, i dint have any friends at US, i just worried is there any consultance can help on this? and is it any way i can keep in touch with u all? im base in Malaysia Kuala Lumpur, and my address as the information that i post up in my details here, is there the fun still going on whichever on this web site? thanks

go to akpk.org.my - they should be able to assist.
you could also go to Al Rajhi and explain to them your situation. If you're a good payer I dont see any problem of you securing a personal loan at 8% per annum interest rate.