Most of us have personal debts regardless on which debtor you owe to whether it is from financial institution, friends, relatives or even the private illegal money lending company (Ah Long).
To settle the existing debts, most of us are searching instant money by borrowing from others to settle the existing and also doing part time jobs to increase monthly income.
In my opinion, the best way to settle our existing debts is by applying loan from bank institution. But, the loan amount must be more than enough to settle the debts and the duration must be long enough in order to reduce the monthly interest payment.
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