How We Can Help You
Our team of dedicated and experienced staff are ever ready to you with personalised advice and practical approaches to assist you. We help you make an informed decision on the most appropriate course of action to address your debt problems, based on your circumstances.
You are not alone. Come forward, receive help and have peace of mind.
Step 1: Attend our Information Talk on Debt Management
Get reliable and unbiased information on how you can address a problem debt. As a not-for-profit organisation, our goal is to help you decide on the best course of action for yourself.
You can attend our weekly Information Talks or consider taking our Online Debt Management Course, if you prefer to learn on your own time and pace or find it inconvenient to attend the talk in person.
We will share information on the various options one can consider to address problem debts, the “do-s and dont-s” of dealing with a debt problem, how to deal with creditors and the common actions that creditors can take to recover the money owed.
After attending the talk or taking the online course, most people usually have a clearer idea of what they can do next to avoid spiraling deeper into debt.
Step 2: Submit a Request for a Counselling Appointment
If you wish to explore whether our Debt Management Programme is suitable for you or require personalised debt advice, you may request to see our Financial Counsellors.
All our counselling appointments are arranged by appointment. To arrange for an appointment, complete a Counselling Request Package (given out during our information talks), attach the relevant supporting documents and send them to us. After we have received your documents, we will contact you by phone and/or email to arrange for an appointment to see our counsellors. The information you provide us will be treated in confidence and will enable our counsellors to make an initial assessment of your financial circumstances.
If you have taken our online course, you may be given access to carry out an online assessment to determine your repayment capacity and submit an online request for a counselling appointment.
Step 3: Attend a 1-to-1 Counselling session
During a Debt Advising session, a Debt Adviser will help you understand your monthly cashflow, identify the most feasible option for addressing a debt problem and determine your suitability to be on a Debt Management Programme (DMP).
This involves working together with you to estimate your income and expenses, establish your monthly personal household budget and determine your payment capacity.