Hye my name is Faiz and I'm 28 years old now when I realize about the need to start for fundraising to settle my debt. My debt start after I'm graduated from Malaysia Local University called Polyteknik Kota Bharu, during that time I'm 23 years old. After graduated I'm working with my late father helping him and his business because he got stroke for a year. The first year everything went ok, before this his company is registered under my younger sister name because my father can't used his name because the blacklisted issue. After using my sister name, my father decide to change it to my name because it is hard to manage especially for signing cheque or important document, because my sister study at Kuala Terengganu and it is far from Kota Bharu. When entering the second year, my father business start to slow down. During this time my late father health also start to worsening, he feel stress thinking solution to find money for our family and to keep the business alive. But at this second years, my father passed away because of heart attack during meeting with customer. A dark memories and experience for me to handle, when suddenly he passed away. When parents passed away, they inherit belonging or money to their children. But for me, it is debt of RM 107, 000.00 ( USD 26235.33), for some countries it is a small value, but for country like Malaysia a debt that cannot be paid up to RM 30, 000.00 (USD 7355.70) is enough to declare someone as a bankrupt. After my father passed away, I try to handle the business, at that time I'm 24. But it is hard beyond what I can think, especially during that time I still free from bankruptcy but the factory keep rushing and pushing me to paid the debt. At first I promised them to paid RM 3000 per month, but when the business keep falling then I promised RM 1000 per month and then RM 300. After that the business is force to closed because I cant paid the rent and expense, vendor keep sending me the warning letter make me feel anxious and stress. It is a hard situation at that time when Im still 24 and during that time all my other friends are working well, some of them already married or continue study, but for me I'm wake up every morning feeling like a dying corpse. After close the company, I tried to not give up and by using some of capital money that are available and with family donations and also with help of my late foster mum, I open a second company selling chemical. It went ok but not so good to paid the debt, then from chemicals I change the nature of business to selling frozen food like meats and groceries. This second changing is ok and bearing the good fruits for me, The company grow well and I got a lot of customers like restaurants and school to supply the meat. I also setup the website for this company : MFC Global Trading, and in google map u still can see the signboard of the shop. But after the second year the business start to slow down because of some customers didn't paid the money and it is hard to roll over the capital money when this happen. Then the company that I hope can solve the problems and debt only make my debt become more and more, during this time I receive the final warning and soon will need to go to court. The I found the need to close the company, after closed the company, I do a lot of labor work such as lawn mowing and also find the idea to become a freelance dispatch, sending documents and parcel to customers. When Im 26, I've been declared bankrupt, after the judge found me can't paid the debt. After that happen, thank God a got a job. The salary is ok, but not enough to paid all the debt. Its been almost 3 years I've been working, and realize I need a support to settle this fast and start a new life. Sorry for my bad english, but I tried my best to share my story to find help and support.