Can you take a loan if you have an AKPK record?

Recently, someone asked us about AKPK. Can they apply for a loan if they have AKPK?First of all, if you don't know what AKPK is. AKPK stand for Agensi Kaunselling dan Pengurusan Kredit (AKPK) or the Credit Counselling and Debt Management Agency.AKPK is set up by Bank Negara Malaysia (BNM) or our central Bank.So here [...]