Credit Diagnostics
If money has been feeling heavy lately and every
If your monthly payments are getting harder to keep up with, it’s exhausting. You might be paying and paying, but somehow it still feels like you are not moving forward.
Debt Planning is where we lay everything out properly, then turn it into a simple month-by-month plan you can actually stick to. No judgement, no scolding, just a clear direction.
What You’ll Get
After this, you’ll walk away with:
- A clear list of what you owe and what you pay monthly
- A simple cashflow view so you see where the squeeze is
- A priority order on what to pay first and what can wait
- A realistic target for monthly commitments (DSR style view)
- A step-by-step plan for the next 30, 60, 90 days
- A calmer way to move forward without guessing
What We Do
We keep it practical. We look at your income, living expenses, and all repayments, then we build a plan that works in real life, not a perfect spreadsheet.
- Full debt and commitments breakdown
- Monthly cashflow plan
- Action priorities and timeline
Quick Questions... Quick Answers
No. Debt Planning is the starting point. It helps you see the full picture and decide the safest next move. Consolidation is only one possible option.
No. A plan that feels impossible won’t last. We focus on realistic adjustments you can maintain.
That’s exactly when planning matters most. We’ll help you prioritise what must be paid first, what can be reduced, and what needs a stronger solution.
Yes. Banks may offer repayment assistance such as rescheduling or restructuring depending on your situation. We can guide you on how to prepare and what to ask, so the conversation is clearer.
If you need structured support, AKPK has programmes like the Debt Management Programme that help borrowers work out a repayment plan and engage participating credit providers.