No, this is not a scam. This is a programme that was initiated by the Ministry of Law in 2009.

The purpose of this programme is to allow individuals repay their debts under one account, while avoiding bankruptcy.

We are not a moneylender, we do not provide loans.

We are a debt restructuring company that assist individuals to take part into the government programme.

Please be wary of companies that promise huge discounts on total debts.

The repayment amount will only be determined after MinLaw assess the debtor's monthly income and expenses.

As each individual's income and expenses vary, it is no guarantee of getting a discount.

You are never obligated to take up any programme provided; your decision should always align with what best suits your needs, goals, and circumstances.