[Stress]

To be frank licensed money lender don't even dream of running away coz they have black n white... they have the right to stand infront of ur house ur workplace wherever they like they can do. they can appear infront of u. unlike ahlong... theirs is u owe them u pay them back on what u agree on... if really u can't... alot of loans to pay bank la LML la, go n apply for DRS. debt repayment scheme.. they will include all legal moneylender and bank loans into one lum sum amount n u have to start paying the instalment plan. if u keep on dragging, ur interest fees snow ball.. u more jialat... if u want to ask for lower payment fees, pay some amount n then do the talking with them..