Financial Counselling, Education and Debt Management

Credit Counselling Singapore is a non-profit, Social Service Agency, recognised by The Association of Banks in Singapore (ABS) for our commitment in helping individuals from all walks of life address their debt problem through counselling, education and facilitating a debt repayment arrangement. 

Enhanced Safe Management Measures

From 2 June 2020 onwards, CCS office will be opened from Mondays to Fridays from 9 am to 6 pm (except public holidays) for essential face-to-face sessions by appointment and submission of documents. Visitors to CCS must observe enhanced safe management practices when entering CCS premises.

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Get reliable information on the options to address problem debts

Attend our free information talks on Consumer or Business Debt Management, or take our online course. Having reliable information can help you make an informed decision on how best to address a debt problem.

Make an appointment to speak with our Financial Counsellors

Take stock of your financial situation, determine your repayment capacity and work out a budget to pay off your debts under our Debt Management Programme.

Learn to use credit responsibly and manage money better

Contact us to find out more about our financial literacy programmes to help you make wiser borrowing decisions and manage “everyday” money better.

Upcoming Talks and Workshops


Mr. P

Dear Mdm K,Today marks my first month towards a debt free life and for the next five and a half years, I am committed towards a monthly payment of $3000 to all 9 creditors. If only I had been a little wiser, I would be richer by $180,000 instead. Looking on the bright si

Mr. B

CCS is well recognised by the government, the banks and the courts. My advice is if you are having "credit card problems" talk to them first.I am working as a Manager drawing a salary of S$6,000 per month. To many people I know, this is an upper salary bracket. However,

Mr. C

I gave in to temptations and stared swiping for every purchase. I spent the credits on shopping, entertainment and holidays. I never expected that 1 day, I will eventually ended up maxing up all my credit limits.In 2011, I realised that I had used up all my credit limit