{"id":6300,"date":"2018-08-22T21:00:35","date_gmt":"2018-08-22T13:00:35","guid":{"rendered":"http:\/\/alexchanglaw.com\/?p=6300"},"modified":"2021-06-28T20:18:10","modified_gmt":"2021-06-28T12:18:10","slug":"pertanyaan-penjamin-sosial-pelepasan-pembatalan-bankrap-automatik-malaysia","status":"publish","type":"post","link":"https:\/\/alexchanglaw.com\/index.php\/pertanyaan-penjamin-sosial-pelepasan-pembatalan-bankrap-automatik-malaysia\/","title":{"rendered":"Pertanyaan; Penjamin Sosial; Pelepasan; Pembatalan Bankrap Automatik Malaysia"},"content":{"rendered":"

English Version<\/strong><\/a>
\n\u4e2d\u6587\u7248<\/a><\/h6>\n
Penjamin Sosial Tidak Dapat Dibuat Bankrap Dalam Pindaan Baru<\/h3>\n
Penjamin Sosial tidak lagi boleh dijadikan bankrap di bawah Akta Kebankrapan baru (kini Insolvensi). Rang undang-undang itu telah diluluskan pada Mac 2017 oleh Parlimen Malaysia tetapi tarikh pelaksanaan Akta itu belum ditetapkan.<\/h5>\n
Social guarantor can no longer be made a bankrupt under the new Bankruptcy (now Insolvency) Act.\u00a0 The bill was passed in March 2017 by the Malaysian Parliament but the implementation date of the Act has not been fixed.<\/em><\/h6>\n
\u201cPenjamin sosial\u201d bermaksud seseorang yang memberi, bukan untuk tujuan mencari keuntungan dengan jaminan yang berikut: (a) jaminan untuk pinjaman, biasiswa atau pemberian untuk tujuan pendidikan atau penyelidikan; (b) jaminan bagi transaksi sewa beli kenderaan untuk kegunaan peribadi atau bukan perniagaan; dan (c) jaminan bagi transaksi pinjaman perumahan hanya untuk kediaman peribadi;<\/h5>\n
\u201csocial guarantor\u201d means a person who provides, not for the purpose of making profit, thefollowing guarantees: (a) a guarantee for a loan, scholarship or grant for educational or research purposes;\u00a0 (b) a guarantee for a hire-purchase transaction of a vehicle for personal or non-business use; and (c) a guarantee for a housing loan transaction solely for personal dwelling;<\/em><\/h6>\n
Pelepasan Automatik Dalam Akta Insolvensi Baru 2016<\/h3>\n
Akta Insolvensi iaitu nama baru Akta Kebankrapan 1967, memperkenalkan seksyen baru, di mana seorang bankrap akan dilepaskan daripada kebankrapan selepas tiga tahun dari tarikh penyerahan pernyataan hal ehwal itu;<\/h5>\n
Tertakluk kepada syarat bahawa bankrap telah mencapai sumbangan sasaran yang ditentukan oleh Ketua Pengarah Insolvensi, bantahan oleh pemiutang dan pematuhan bankrap dengan syarat untuk membuat suatu akaun mengenai wang dan harta.<\/h5>\n
Automatic Discharge In the New Insolvency Act 2016<\/em><\/h6>\n
The Insolvency Act which is the new name of the Bankruptcy Act 1967, introduced a new section,\u00a0 where a bankrupt shall be discharged from bankruptcy after three years from the date of the submission of his statement of affairs;
\nsubject to the condition that the bankrupt has achieved the target contribution determined by the Director General of Insolvency, objection by creditors and the bankrupt\u2019s compliance with the requirement to render an account of moneys and property.<\/em><\/h6>\n
\u00a0<\/em><\/p>\n
3 cara kebankrapan ditamatkan:<\/h3>\n
(a) Membuat permohonan di mahkamah pada bila-bila masa untuk mendapatkan perintah kebankrapan yang hendak dibatalkan atas alasan hutang telah dibayar sepenuhnya atau bahawa dia tidak sepatutnya menjadi bankrap atas apa-apa sebab teknikal;<\/h5>\n
(B) Membuat permohonan di mahkamah pada bila-bila masa untuk pelepasan mahkamah.<\/h5>\n
(C) Pelepasan atas budi bicara Ketua Pengarah Insolvensi.<\/span><\/h5>\n
3 main ways bankruptcy is terminated:<\/em><\/h6>\n
(a) Making an application in court at any time for the bankruptcy order to be annulled on grounds i.e. debt has been paid in full or that he ought not to be made a bankrupt on some technical grounds;
\n<\/em><\/h6>\n
(b) Making an application in court at any time for a court discharge<\/em><\/h6>\n
(c) A discharge at the discretion of the Director General of Insolvency.<\/em><\/h6>\n
ULASAN PELANGGAN KAMI<\/h4>\n
REVIEWS OF OUR CLIENTS<\/em><\/h6>\n
Bought a House and Landed in Bankruptcy <\/h3>I refer to the above matter 2 In the year 2000 I took up a housing to buy…<\/a><\/li>\n
Discount Annul Discharge then Pay Later <\/h3>Versi Bahasa \u4e2d\u6587\u7248 I was one of the three directors in a company. What was a supposed happy…<\/a><\/li>\n
Got a Nice Discount then Annulment Discharged from Bankruptcy <\/h3>I am a Malaysian working overseas for a number of years now. Some time back while I was…<\/a><\/li>\n
A Happy Bankruptcy Discharge Story <\/h3>I would like to thank you Messrs Alex Chang & Co for helping me to extract a letter…<\/a><\/li>\n
A quick resolution to my Bankruptcy Annulment <\/h3>I have been plagued by an oversight which made me a bankrupt sometime ago. Before I came to…<\/a><\/li>\n
Discharge of Bankruptcy for Malaysian Working Overseas <\/h3>Versi Bahasa \u4e2d\u6587\u7248 If you have recently found out that you have been adjudged a bankrupt these are…<\/a><\/li>\n<\/ul><\/div>\n
Dokumen yang diperlukan untuk Pelepasan Kebankrapan:<\/h3>\n
\n
\n
Pernyataan Tuntutan, Penghakiman; Dokumen-dokumen ini diperlukan untuk mengetahui siapa yang telah membuat penghutang bankrap dan dalam keadaan yang bagimana;<\/h5>\n<\/li>\n
\n
Perintah Kebankrapan: Perintah Penerimaan dan Perintah Penghukuman, ini adalah “Perintah Kebankrapan”;<\/h5>\n<\/li>\n
\n
Senarai pemiutang, jika ada, senarai ini akan menentukan berapa banyak pemiutang yang akan dibayar;<\/h5>\n<\/li>\n
\n
Umur; keadaan kesihatan (laporan perubatan jika ada);<\/h5>\n<\/li>\n
\n
Sejarah pembayaran kepada Pegawai Pemegang Harta;<\/h5>\n<\/li>\n<\/ol>\n
Documents Required for Discharge of Bankruptcy:<\/em><\/h6>\n
\n
\n
Statement of Claim, Judgment; These documents are required to find out who has made the debtor a bankrupt and under what circumstances;<\/em><\/h6>\n<\/li>\n
\n
Bankruptcy Orders: Receiving Order and Adjudicating Order (Perintah Penerimaan dan Perintah Penghukuman), this is the \u201cBankruptcy Order\u201d;<\/em><\/h6>\n<\/li>\n
\n
List of creditors, if any, this list will determine how many creditors are there to be paid;<\/em><\/h6>\n<\/li>\n
\n
Age; health condition (medical report if you have any);<\/em><\/h6>\n<\/li>\n
\n
History of payment(s) to Official Assignee (Pegawai Pemegang Harta);<\/em><\/h6>\n<\/li>\n<\/ol>\n
<\/h6>\n
Kos untuk Pelepasan Kebankrapan<\/h3>\n
Seorang bankrap boleh memohon supaya perintah yang dibuat terhadapnya dilepaskan atau dibatalkan.<\/h5>\n
Costs for Discharge of Bankruptcy<\/em><\/h6>\n
A bankrupt may apply for the order made against him be discharged or annulled.<\/em><\/h6>\n
<\/h6>\n
Sama ada ia dilepaskan atau dibatalkan akan bergantung pada keadaan. Dalam kebanyakan kes anda perlu mengetahui siapa pemiutang yang telah memfailkan bukti hutang terhadap bankrap. Perundingan dengan Pemiutang mungkin diperlukan.<\/h5>\n
Whether it is discharged or annulled will depend on the circumstances. In most case you need to find out who are the creditors who have filed the proof of debts against the Bankrupt. A negotiation with the Creditors may be necessary.<\/em><\/h6>\n
Bayaran Anggaran<\/h3>\n
Kos bagi penyelesaian dengan pemiutang akan bergantung pada bilangan pemiutang dan jumlah terlibat.<\/h5>\n
Approximate Fees<\/em><\/h6>\n
Costs for the settlement with the creditors will depend on the number of creditors and amount involved.<\/em><\/h6>\n
Dari 1 Mac 2021, kami akan menyemak semula kos untuk konsultasi lisan bagi jam pertama dari RM1,550 ke RM1,750.00 (termasuk 6% akan menjadi RM1,855.00)<\/p>\n
Mendapatkan pelepasan adalah bergantung kepada berapa banyak kerja yang perlu dilakukan.<\/h5>\n
Getting a discharge will be dependent on how much work is needed to be done.<\/em><\/h6>\n
Berikan Kami Maklumat Lebih Lanjut<\/h3>\n
Jika anda ingin mengetahui tentang Pelepasan sebagai Bankrap sila isi borang ini.<\/h5>\n
Provide Us More Information<\/em><\/h6>\n
If you would like to find out about getting a Discharge as a Bankrupt please fill up this form<\/em><\/h6>\n
\n\t\t\t
Please let us have the details of your matter<\/h3><\/div>
Name \u540d\u79f0 <\/span><\/label><\/li>
Your Company \u516c\u53f8\u540d\u79f0 <\/label><\/li>
Email \u7535\u90ae <\/span><\/label><\/li>
Would you like a free 10 minute online\/ Zoom meeting? <\/span><\/label>
If you would like to have a free online\/ Zoom meeting please fill in the mobile phone number for us to send you the link.<\/label><\/span>Yes<\/label><\/span>No<\/label><\/span>Later<\/label><\/span>
<\/div><\/div><\/li>
Mobile Number \u624b\u673a\u53f7\u7801 <\/span><\/label>Please enter a number where you may be contacted via whatsapp or viber. In the event that we need some clarification from you.<\/label><\/span><\/li>
Not To Create Solicitors Clients Relationship. By submitting this enquiry, you agree that you are NOT creating a solicitors clients relationship with us until we accept your brief \u901a\u8fc7\u63d0\u4ea4\u6b64\u8be2\u95ee\uff0c\u5373\u8868\u793a\u60a8\u540c\u610f\uff0c\u5728\u6211\u4eec\u63a5\u53d7\u60a8\u7684\u6848\u4ef6\u4e4b\u524d\uff0c\u60a8\u4e0d\u4f1a\u4e0e\u6211\u4eec\u5efa\u7acb\u5f8b\u5e08\u5ba2\u6237\u5173\u7cfb <\/span><\/label>
Yes I agree. \u662f\u7684\u6211\u540c\u610f\u3002<\/label><\/span>
<\/div><\/div><\/li>
There will be no liabilities towards you, unless you have paid a retainer AND legal fees; and received our WRITTEN consent to act for you. And all communications with you until we consent to act are strictly off the records and without prejudice. <\/span><\/label>
\u9664\u975e\u4f60\u5df2\u7ecf\u652f\u4ed8\u4e86\u4fdd\u9669\u8d39\u548c\u6cd5\u5f8b\u8d39\u7528\uff0c\u5e76\u6536\u5230\u6211\u4eec\u7684\u4e66\u9762\u540c\u610f\uff0c\u4e3a\u60a8\u884c\u4e8b\uff0c \u5426\u5219\u5bf9\u60a8\u4e0d\u8d1f\u4efb\u4f55\u8d23\u4efb\u3002<\/label><\/span>Yes, I agree. \u662f\u7684\u6211\u540c\u610f\u3002<\/label><\/span>
<\/div><\/div><\/li>
Are You A Social Guarantor <\/label>
\u201csocial guarantor\u201d means a person who provides, not for the purpose of making profit, thefollowing guarantees: (a) a guarantee for a loan, scholarship or grant for educational or research purposes; (b) a guarantee for a hire-purchase transaction of a vehicle for personal or non-business use; and (c) a guarantee for a housing loan transaction solely for personal dwelling<\/label><\/span>Yes<\/label><\/span>No<\/label><\/span>
<\/div><\/div><\/li>
If you do not have it would you like to spend RM1,550 (not including SST) to get these papers and for a preliminary analysis and consultation. With this sum, we will get these documents and provide a 1 hour oral (without written opinion) consultation. <\/span><\/label>
With this sum, (after March 1, 2021 it will be revised to RM1,750) we will get these documents (provided the costs charged to us is less than RM500) and provide a 1 hour oral (without written opinion) preliminary analysis and consultation.\r\n \r\nA list of your creditors who have filed a Proof of debts; \r\nYour payment records with the DGI; \r\nYour Statement of Affairs filed with the DGI; \r\nThe Judgment which the Bankruptcy was based on; and \r\nYour Bankruptcy Order. \r\n\r\n\u5982\u679c\u4f60\u6ca1\u6709\u4e0a\u8ff0\u6587\u4ef6\uff0c\u4f60\u4f1a\u82b1 1,550 (after March 1, 2021 RM1,750) \u4ee4\u5409\u53bb\u62ff\u8fd9\u4e9b\u6587\u4ef6\u5417\uff1f\u548c\u4e00\u4e2a\u5c0f\u65f6\u7684\u53e3\u5934\u6cd5\u5f8b\u54a8\u8be2\u3002<\/label><\/span>Yes \u4f1a<\/label><\/span>No \u4e0d\u4f1a<\/label><\/span>
<\/div><\/div><\/li>
What year were you made a Bankrupt? <\/span><\/label>
\u4f60\u90a3\u4e00\u5e74\u7834\u4ea7\uff1f<\/label><\/span>Within 3 years 3\u5e74\u4ee5\u5185<\/label><\/span>5 years. 5\u5e74<\/label><\/span>More than 5 years. 5\u5e74\u4ee5\u4e0a<\/label><\/span>
<\/div><\/div><\/li>
What was the outstanding sum \u672a\u507f\u8fd8\u7684\u503a\u52a1\uff1f <\/span><\/label>If you do not know please indicate an estimate or approximate \u5982\u679c\u60a8\u4e0d\u77e5\u9053\uff0c\u8bf7\u6ce8\u660e\u4f30\u8ba1\u503c\u6216\u8fd1\u4f3c\u503c<\/label><\/span><\/li>
Have Court Document and Judgment? \u6709\u6cd5\u5ead\u6587\u4ef6\u548c\u5224\u51b3\uff1f <\/label>
Do you have the court document and Judgment from the creditor who made you a bankrupt?<\/label><\/span>Yes \u6709<\/label><\/span>No \u6ca1\u6709<\/label><\/span>
<\/div><\/div><\/li>
Have Bankruptcy Order? \u6709\u7834\u4ea7\u4ee4\u5417? <\/label>
Do you have the bankruptcy order?<\/label><\/span>Yes \u6709<\/label><\/span>No \u6ca1\u6709<\/label><\/span>
<\/div><\/div><\/li>
Do you Know Your Bankruptcy Officer? <\/label>
Do you know who is the bankruptcy officer \u4f60\u77e5\u9053\u8c01\u662f\u76f8\u5173\u7834\u4ea7\u5b98\u5458\u5417\uff1f<\/label><\/span>Yes \u77e5\u9053<\/label><\/span>No \u4e0d\u77e5\u9053<\/label><\/span>
<\/div><\/div><\/li>
Re-paying regularly? <\/label>
Have you been re-paying regularly? \u4f60\u662f\u5426\u5b9a\u671f\u91cd\u65b0\u652f\u4ed8\uff1f<\/label><\/span>Yes \u6709<\/label><\/span>No \u6ca1\u6709<\/label><\/span>
<\/div><\/div><\/li>
Amount \u91d1\u989d <\/label>If yes what is the amount you are paying monthly \u5982\u679c\u6709\uff0c\u4f60\u6bcf\u6708\u652f\u4ed8\u7684\u91d1\u989d\u662f\u591a\u5c11\uff1f<\/label><\/span><\/li>
Have a List of Creditors? <\/label>
Do you have a list of all your Creditors?\r\n\u4f60\u6709\u6240\u6709\u503a\u6743\u4eba\u7684\u540d\u5355\u5417\uff1f<\/label><\/span>Yes \u6709<\/label><\/span>No \u6ca1\u6709<\/label><\/span>
<\/div><\/div><\/li>
Would you like to pay all your creditors in full or in part? \u4f60\u60f3\u5168\u989d\u6216\u90e8\u5206\u652f\u4ed8\u6240\u6709\u7684\u503a\u6743\u4eba\u5417\uff1f <\/span><\/label>
Answer Yes if you wish to settle and No if you do not wish to repay the creditors at all.<\/label><\/span>Pay in full \u5168\u989d\u652f\u4ed8<\/label><\/span>Pay in part \u652f\u4ed8\u90e8\u5206<\/label><\/span>Do not want to pay at all \u4e0d\u60f3\u4ed8\u94b1<\/label><\/span>
<\/div><\/div><\/li>
Need Negotiation with your creditors? <\/span><\/label>
Would you like to commence negotiation with your creditors for a settlement? \r\n\u60a8\u60f3\u4e0e\u503a\u6743\u4eba\u8c08\u5224\u89e3\u51b3\u5417\uff1f<\/label><\/span>Yes \u60f3, I understand that a fee is payable<\/label><\/span>No \u4e0d\u60f3<\/label><\/span>
<\/div><\/div><\/li>
How much in your opinion is the total LEGAL FEES required to get a discharge from being a Bankrupt? <\/span><\/label>
\u60a8\u8ba4\u4e3a\u89e3\u9664\u7834\u4ea7\u4ee4\u7684\u603b\u5f8b\u5e08\u8d39\u8d39\u7528\u4f1a\u662f\u591a\u5c11\uff1f<\/label><\/span>RM6,000 - RM9,999<\/label><\/span>RM10,000-RM14,999<\/label><\/span>RM15,000-RM20,000<\/label><\/span>
<\/div><\/div><\/li>
Briefly Describe Your Matter (Optional) <\/label>
\u7b80\u77ed\u63cf\u8ff0\u60a8\u7684\u4e8b\u9879\uff08\u81ea\u9009\uff09<\/label><\/span><\/textarea><\/div><\/li><li class=\"vfb-item vfb-item-textarea \" id=\"item-vfb-209\"><label for=\"vfb-209\" class=\"vfb-desc\">What would you like us to do for you? <span class=\"vfb-required-asterisk\"><\/span><\/label><div><span class=\"vfb-span\"><label>\u60a8\u5e0c\u671b\u6211\u4eec\u4e3a\u60a8\u505a\u4ec0\u4e48\uff1f<\/label><\/span><textarea name=\"vfb-209\" id=\"vfb-209\" class=\"vfb-textarea vfb-medium required \"><\/textarea><\/div><\/li><li class=\"vfb-item vfb-item-radio \" id=\"item-vfb-212\"><label class=\"vfb-desc\">Disclaimer Terms and Conditions <span class=\"vfb-required-asterisk\"><\/span><\/label><div><span><label>Disclaimer Terms and Conditions of Use of the Website Electronic Communications \u514d\u8d23\u58f0\u660e\u4f7f\u7528\u7f51\u7ad9\u7535\u5b50\u901a\u8baf\u7684\u6761\u6b3e\u548c\u6761\u4ef6<\/label><\/span><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-212\" id=\"vfb-212-1\" value=\"Read Understood and Agreed \u9605\u8bfb\u5b8c\u6bd5\u7406\u89e3\u548c\u540c\u610f\" class=\"vfb-radio required \" checked='checked' \/><label for=\"vfb-212-1\" class=\"vfb-choice\">Read Understood and Agreed \u9605\u8bfb\u5b8c\u6bd5\u7406\u89e3\u548c\u540c\u610f<\/label><\/span><div style=\"clear:both\"><\/div><\/div><\/li><li class=\"vfb-item vfb-item-radio \" id=\"item-vfb-247\"><label class=\"vfb-desc\">What is the Bankrupt Age \u7834\u4ea7\u4eba\u5e74\u9f84 <span class=\"vfb-required-asterisk\"><\/span><\/label><div><span><label>This is important to for the Official Assignee<\/label><\/span><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-247\" id=\"vfb-247-1\" value=\"Below 35\" class=\"vfb-radio required \" \/><label for=\"vfb-247-1\" class=\"vfb-choice\">Below 35<\/label><\/span><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-247\" id=\"vfb-247-2\" value=\"36-55\" class=\"vfb-radio required \" \/><label for=\"vfb-247-2\" class=\"vfb-choice\">36-55<\/label><\/span><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-247\" id=\"vfb-247-3\" value=\"56-66\" class=\"vfb-radio required \" \/><label for=\"vfb-247-3\" class=\"vfb-choice\">56-66<\/label><\/span><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-247\" id=\"vfb-247-4\" value=\"67-70\" class=\"vfb-radio required \" \/><label for=\"vfb-247-4\" class=\"vfb-choice\">67-70<\/label><\/span><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-247\" id=\"vfb-247-5\" value=\"71 and above\" class=\"vfb-radio required \" \/><label for=\"vfb-247-5\" class=\"vfb-choice\">71 and above<\/label><\/span><div style=\"clear:both\"><\/div><\/div><\/li><li class=\"vfb-item vfb-item-radio \" id=\"item-vfb-311\"><label class=\"vfb-desc\">If you would like to appeal to be discharged without paying the creditors would you pay a sum of RM5,000 as additional legal fees? <\/label><div><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-311\" id=\"vfb-311-1\" value=\"Yes\" class=\"vfb-radio \" \/><label for=\"vfb-311-1\" class=\"vfb-choice\">Yes<\/label><\/span><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-311\" id=\"vfb-311-2\" value=\"No, I can pay up to RM3,500 as I have special reasons to appeal to you\" class=\"vfb-radio \" \/><label for=\"vfb-311-2\" class=\"vfb-choice\">No, I can pay up to RM3,500 as I have special reasons to appeal to you<\/label><\/span><div style=\"clear:both\"><\/div><\/div><\/li><li class=\"vfb-item vfb-item-checkbox \" id=\"item-vfb-319\"><label class=\"vfb-desc\">You have a friend or relative to appoint us as solicitors? <span class=\"vfb-required-asterisk\"><\/span><\/label><div><span><label>As a bankrupt cannot appoint a solicitors, you need to ask for the help of a friend or relateive.<\/label><\/span><span class=\"vfb-span\"><input type=\"checkbox\" name=\"vfb-319[]\" id=\"vfb-319-0\" value=\"Yes\" class=\"vfb-checkbox required \" \/><label for=\"vfb-319-0\" class=\"vfb-choice\">Yes<\/label><\/span><div style=\"clear:both\"><\/div><\/div><\/li><li class=\"vfb-item vfb-item-radio \" id=\"item-vfb-321\"><label class=\"vfb-desc\">I understand that it is very difficult to obtain a discharge if I do not wish to settle at least part of the outstanding sum. <span class=\"vfb-required-asterisk\"><\/span><\/label><div><span class=\"vfb-span\"><input type=\"radio\" name=\"vfb-321\" id=\"vfb-321-1\" value=\"Yes\" class=\"vfb-radio required \" \/><label for=\"vfb-321-1\" class=\"vfb-choice\">Yes<\/label><\/span><div style=\"clear:both\"><\/div><\/div><\/li><\/ul> <\/fieldset><fieldset class=\"vfb-fieldset vfb-fieldset-2 verification \" id=\"item-vfb-184\" style=\"display:block\"><div class=\"vfb-legend\"><h3>Verification<\/h3><\/div><ul class=\"vfb-section vfb-section-2\"><li class=\"vfb-item vfb-item-secret\" style=\"display:block\"><label for=\"vfb-187\" class=\"vfb-desc\">Please enter any two digits <span class=\"vfb-required-asterisk\"><\/span><\/label><input type=\"hidden\" name=\"_vfb-secret\" value=\"vfb-187\" \/><span class=\"vfb-span\"><input type=\"text\" name=\"vfb-187\" id=\"vfb-187\" value=\"\" class=\"vfb-text vfb-medium required {digits:true,maxlength:2,minlength:2} \" style=\"display:block\" \/><label>Example: 12<\/label><\/span><li style=\"display:none;\"><label>This box is for spam protection - <strong>please leave it blank<\/strong>:<\/label><div><input name=\"vfb-spam\" \/><\/div><\/li>\n\t\t\t<li class=\"vfb-item vfb-item-submit\" id=\"item-vfb-185\">\n\t\t\t\t\t\t<input type=\"submit\" name=\"vfb-submit\" id=\"vfb-185\" value=\"Submit\" class=\"vfb-submit \" \/>\n\t\t\t\t\t\t<\/li><\/ul>\n\t\t\t<\/fieldset><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/index.php\/wp-json\/wp\/v2\/posts\/6300\" \/><\/form><\/div> \n<h6>\u201cThe Malay Version is a translation to the best efforts and if there is a conflict between the translation and the English version, please refer to the English version.\u201d<\/h6>\n<h6>\u201cVersi Bahasa Melayu ini adalah usaha terbaik kami untuk menterjemah. Jika ada konflik di antara terjemahan Bahasa Melayu dengan versi Bahasa Inggeris, sila rujuk versi Bahasa Inggeris.\u201d<\/h6>\n<h5><\/h5>\n<h6><em>Translation by Celine<\/em><\/h6>\n<h6><em>Amended by Khairunnisa<\/em> <em>& Alicia<\/em><\/h6>\n<h6><em>Cross checked by Jessie<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>English Version \u4e2d\u6587\u7248 Penjamin Sosial Tidak Dapat Dibuat Bankrap Dalam Pindaan Baru Penjamin Sosial tidak lagi boleh dijadikan bankrap di bawah Akta Kebankrapan baru (kini Insolvensi). Rang undang-undang itu telah diluluskan pada Mac 2017 oleh Parlimen Malaysia tetapi tarikh pelaksanaan Akta itu belum ditetapkan. Social guarantor can no longer be made a bankrupt under the […]<\/p>\n","protected":false},"author":1805,"featured_media":8421,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[80],"tags":[81],"_links":{"self":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/6300"}],"collection":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/users\/1805"}],"replies":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/comments?post=6300"}],"version-history":[{"count":10,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/6300\/revisions"}],"predecessor-version":[{"id":9334,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/6300\/revisions\/9334"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/media\/8421"}],"wp:attachment":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/media?parent=6300"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/categories?post=6300"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/tags?post=6300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}