Very often, consumer who has a debt problem feels very alone. He tends to keep the debt problem to himself, not wanting anyone to know because he is likely to feel ashamed, silly, guilty, loss of pride or worry about losing his job.
As a result, the debt problem grows bigger, the stress level becomes higher, work performance is affected, relationships turn tense and subsequently, the individual may become depressed and suicidal thought may began to arise.
CCS should bring awareness of its existence, because being 45 years of age, I never knew such an Organization existed till the bank officer at ANZ told me about it. Trust me there are loads of people out there who could do with your help.
I would sincerely like to extend my heartfelt thankfulness and I am indebted to CCS to help me so promptly with the financial crisis I was in.
I realised that there are so many people out there with similar dilemma but do not know CCS exists, like I did not know. Today, I am a happier person, my husband too is back home, the kids are his weakness, I am hoping to start treatment soon, look after my aged parents, pay the banks on time (that is a promise that I wont let Mr. T down after all the kind assistance and effort he has rendered to get me out of this mess).
Big THANK YOU to you, Ms T and CCS!
My husband and myself would like to express our sincere thanks to you and your colleagues who have helped with our case.
Special thanks to you for your time, effort and willingness to help us solve our problem.
We really really didn't expect that we are able get out of this horrible situation and we know from heart that this will not happen without your help.
I’m currently holding an executive post with monthly gross salary of $4,000 per month. Rightfully speaking, I should not get myself into this financial predicament.
It all started when my second brother started to do his own business. In the initial stage, the business was good and he did make some profit. With this, he ventured into another business and mixed with some ’bad company’. He started gambling the last year and got himself stranded with debts and started borrowing money from the loan sharks. It became a snowball situation and owed the loan shark about S$100K.
He was not able to make his credit card payment, phone bill and car loan. With this, I lend him my savings to pay the loan sharks and also pay his phone bill...etc. Worst of all, he left the house without informing us. With his ’disappear’, I had to shoulder the household expenses, take care of my father. In the end, I couldn’t even pay the minimum payment for all my credit cards.
Everyday, I’m receiving calls from the banks chasing for payment and also received lawyer’s letters. At one stage, I really thought of committing suicide as I do not know who to turn to for help.
Luckily I read about CCS from the newspapers and attended the talk.
With CCS’ help to negotiate with the banks, they allowed me to pay my debt using the DMP programme.
I consider myself lucky, without CCS’ help, I will be sued bankruptcy by the banks.
How I wish other people could step up and plan to pay back the banks by installments. I believe many people never come across CCS.
It took a lot of efforts, sacrifices and control in order to settle the debts and get on my life again. I could have knew your organisation earlier so that I would not have liquidated so many of my assets just to pay off the interests, at the end of day, I was back the square one with the principal debts still existed and thinking I could pay off. But in reality, it was not possible.