[Gemstar]

i got no cpf payout, My friend same trading school have cpf payout i think 1200$, so i ask u kind ppl here
for knowledge.. 

he want to declare bankruptcy, but his HDB is safe according to what his wife said, cause both are owner.
and creditor cannot force sell hdb flat to recover debt..

will creditor "eat" his cpf life payout to cover his debt to them. He is 65 yrs old. 
he ask me, i think he shd ask lawyer, but lawyer got to pay fee...

who to ask for free advise? ty... or if u know the answer do share with us. ty

There are CCs who can provide free legal advice.