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Debt Management

At CONSFIELD CF HOLDINGS SDN. BHD., we understand that managing debt can be a daunting task. That's why we offer expert guidance and support to help you navigate the complex world of bank loans and debt management. Our team of financial consultants has years of experience working with banks and financial institutions, and we can provide you with the tools and resources you need to successfully manage your debt. Whether you're struggling with high credit card balances, medical bills, or other debts, we can help you find the right solutions to get your finances back on track.

We don't provide loans ourselves, but we can help you successfully apply for bank loans and find the best deals and rates available. Our team can guide you through the loan application process, from understanding the different types of loans available, to determining your eligibility, to completing the application process.

In addition to our loan services, we also offer debt management solutions to help you reduce your debt and improve your credit score. We can help you create a personalized debt repayment plan, negotiate with creditors, and even provide financial education to help you make informed decisions about your money.

Don't let debt overwhelm you – let us help you take control of your finances and achieve your financial goals. Contact us today to learn more about how we can help you successfully manage your debt and apply for bank loans.

Here are some debt management tips that may help you:

  • Create a budget: Creating a budget is an important first step in managing your debt. It helps you track your income and expenses, and ensures that you are spending within your means.

  • Prioritize your debts: Make a list of all your debts and prioritize them based on interest rates and balances. Focus on paying off the debts with the highest interest rates first, while still making minimum payments on your other debts.

  • Consider debt consolidation: If you have multiple debts with high interest rates, consider consolidating them into a single loan with a lower interest rate. This can help you save money on interest and simplify your monthly payments.

  • Negotiate with creditors: If you're struggling to make payments on your debts, consider negotiating with your creditors to see if they're willing to lower your interest rates or work out a payment plan that works for you.

  • Seek professional help: If you're overwhelmed with debt and don't know where to turn, consider working with a debt management consultant. They can provide you with the guidance and support you need to get your finances back on track.

Our Proposal Step:


Approach & Fact Find
To KYC client’s profile, identify & discover a client’s situation & criterial before proceeding to
next step.


Analysis & Problem Solving
We have a back-end team to analyze & rectifying client’s problem, measure potential risk and
provide genuine opinions before the consultant propose to our client by understanding client’s


Presentation & Assurance
Once our consultant finalizes the financial plan, they will send a proposal to our clients,
explain processing lead time, Pros & cons of the financial plan etc. To ensure our proposal fit to
the client’s need.


Liaise & Communication
Once client decided to engage with our services, we will start liaising with the relevant parties
to expedite the whole process, we will also follow up closely with the entire process.


Once documentation and everything are ready, we will submit the necessary application and
the result will be released soon. You will notify when the approval is right at the corner.


Final Approval
Once we got the approval, you will be informed via a message or calls from us or relevant
party. Meanwhile, our consultant will be still guiding you through the process till the end. 

CONSFIELD CF HOLDINGS SDN. BHD. established in 2020, is a financial consultancy company based in Johor Bahru, Johor, Malaysia.