If you doubt it, chances are you can’t afford it. According to statistics from Malaysia Department of Insolvency, on average of 60 people declared bankrupt everyday and 26% of it are car loan defaulters. Did you know that you can be declared as bankrupt without even you knowing it with debts as low as RM30,000? As severe as this sounds, there aren’t enough information in the world wide web. Folks from NTC Insolvency talks about how one should react and navigate after the declaration of bankruptcy and also possibilities of being discharged.