amalan helps people who can no longer afford the payments for their credit card and personal loans. There are many reasons why paying back loans can become very difficult, and it can happen to anyone. In fact, it happens to millions of people across Southeast Asia. Job loss, sickness, and accidents can lead to loss of income.

Small business owners and young entrepreneurs often finance their businesses with personal credit cards - and when the business runs into trouble, their personal finances quickly get into trouble as well.

Flooding, fire, and hospital bills often result in big expenses AND loss of income as businesses have to stay closed for repair and hospitalized people might not earn salary.


amalan's experts have many years of experience in renegotiating loans. They will work with you to negotiate a meaningful discount on your loan and to set up a payment plan with affordable installments. 

To get started, all you need to do is contact us and one of our associates will call you to give you a free consultation.

100% risk free with 100% money back guarantee if your banks don't agree to settle.


Arne Hartmann - CEO

Arne has more than a decade of experience as a growth investor at General Atlantic and Merrill Lynch Global Private Equity. During that time, he invested $3.5 billion and became familiar with numerous business models across a variety of sectors in Europe and Asia. 

A frequent traveller across Southeast Asia for many years, Arne has developed a passion for the people and cultures of the region and its opportunities for entrepreneurs. He has lived and worked across four continents and spent more than 15 years outside his native Germany. 

He has earned Master’s degrees from Stanford Graduate School of Business and from ESCP Europe (Oxford-Madrid-Paris). 

Arne believes in the importance of intercultural exchange and entrepreneurship and played an integral part in building JADE Europe, Europe’s largest organization to promote entrepreneurship among university students. He has also had leading roles and continues to support AFS Intercultural Programs, an organization that has sent over 400,000 students to study abroad.

Jonathan Chang - Senior Advisor

Jonathan is a serial social entrepreneur, who founded and co-founded four tech startups in Silicon Valley and Manhattan. 

Originally from Indonesia, he has lived and worked in the United States for over two decades before returning to Southeast Asia as Director of the Lien Centre for Social Innovation and adjunct professor of social entrepreneurship at Singapore Management University. His publications include a case study on entrepreneurship in rural India for Stanford Graduate School of Business, and a book about government and innovation with Esko Aho, former Prime Minister of Finland. 

Jonathan earned his degrees from the University of California at Berkeley, Stanford Graduate School of Business, and Harvard Kennedy School of Government. Jonathan is a recipient of Stanford GSB’s Miller Social Change Leadership Award and was named Harvard Law School’s Digital Problem Solving Initiative Fellow. 

Jonathan has been mentoring young people and aspiring social entrepreneurs in Indonesia, Thailand, Cambodia, Nepal, South Korea, and Rwanda.


Be the leading, trusted, and professional provider of debt management programs to reintegrate consumers into the financial system.


Empower people in regaining control of their finances.


  • Trust & Integrity: We do what we say and deliver on our promises. To customers, to banks, to everyone.

  • Service Excellence: We work hard every day to offer the best possible service to you, so that you find that our processes are easy to deal with.

  • Compassion: We care about you and want to solve your debt problem in order to offer you a fresh start.

  • Success: We are an entrepreneurial organization that empowers every member of our team to assist our customers in regaining control of their finances.


amalan negotiates with all major banks