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For directors, SMEs, and trading businesses under pressure.

Business Debt

Guides for company debt advisory, company letters, SDRS, supplier debt, director personal guarantees, debt sold to third party, cash-flow pressure, winding-up risk, and restructuring.

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Business Debt

Pick the one that sounds like you.

Company Letter of Demand advisory discussion

Company Letter of Demand

A creditor is demanding payment from your company.

Company letters should be reviewed for registered office service, amount, creditor type, personal guarantee exposure, and winding-up risk.

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Company Debt Advisory advisory discussion

Company Debt Advisory

Your company has creditor pressure and the next wrong move may affect directors personally.

Company debt advisory separates company debt, director personal guarantees, bank facilities, supplier pressure, legal notices, and SDRS suitability before negotiation or restructuring.

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Debt Purchase / Debt Sold to Third Party advisory discussion

Debt Purchase / Debt Sold to Third Party

You received a notice saying your debt was sold, assigned, or transferred to a third party.

When a debt is sold or transferred, verify the notice, new creditor or purchaser, amount claimed, payment instructions, and complaint route before making payment or signing settlement terms.

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AKPK SDRS for SME Debt advisory discussion

AKPK SDRS for SME Debt

Your SME is struggling with financial institution debt.

AKPK SDRS is an official route for viable SMEs facing difficulty servicing debt with financial institutions. It is separate from ordinary supplier negotiation.

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Company Winding-Up Process Malaysia advisory discussion

Company Winding-Up Process Malaysia

You want to understand how a creditor can try to wind up a company.

For inability-to-pay-debts cases, Section 466 notice pressure can lead to a winding-up petition if the company does not act and the prescribed threshold is met.

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Director Personal Guarantee advisory discussion

Director Personal Guarantee

A company debt may become your personal problem.

A director personal guarantee can create personal exposure even when the original borrower is the company. Review it before negotiation.

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Creditor Negotiation advisory discussion

Creditor Negotiation

Creditors are chasing but you need time and structure.

Negotiation is stronger when you know what you can pay, what you can prove, and what the creditor may do next.

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Business Cash-Flow Problems advisory discussion

Business Cash-Flow Problems

Your business is still operating but cannot keep up with payments.

Cash-flow distress needs a route map across bank debt, trade creditors, statutory arrears, and director exposure before one creditor controls the timeline.

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Other help

We can also help with these.

Debt StagesDebt Pressure and Legal NoticesUrgent LettersPersonal DebtWho We Help

Do not ignore the warning signs.

Send us the situation first. We will help you understand what to prepare before the next creditor or court deadline.

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