Financial Counselling

Our Financial Counsellors will work with you to assess your financial position and help you decide on your best course of action to address uncertainties.

To address a problem with over-indebtedness due to unsecured debts, our counsellors will assess your personal budget based on your income and the standard expenses you require to maintain yourself and your family.

We are here to work with you to help you decide on the most feasible debt settlement options. We are not able to provide you with specific and relevant advice when we are not able to first establish a comprehensive understanding of your financial situation. Having your explicit consent and cooperation in providing personal and relevant financial information for discussion is essential to facilitate the best possible outcome during the session.


Focus of Counselling : Debt Advising

During a counselling session, the focus is on facilitating debt advising and exploring feasible suitable debt settlement options for your consideration.

Our goal is to help you better understand your financial position -  your cash flow, sources of income, household expenses, in order to identify a range of possible solution that you may consider to manage and pay down your debts.

A session normally last up to one hour, but may take longer depending on the complexity of your circumstances. In most cases, having one session will be sufficient. However, you may request to see our counsellors again, if necessary.


Requesting for a Appointment

To request for a counselling appointment, you must first attend our Information Talk on Debt Management or complete our Online Debt Management Course.

1.  Attend our Information Talk on Debt Management. After the talk, collect a Counselling Request Package, gather relevant supporting documents and submit them to us. Check schedule and register here.

2.  Take our Online Debt Management Course. Enrol to take our online course, if you prefer to learn more about debt management on your own time and pace. By taking the course, you will be able to download additional resources and the Counselling Request Package. Just complete the forms, with the relevant supporting documents and send them to CCS for us to schedule you for an appointment with our counsellors.


Appointment Hours

Counselling appointments are normally scheduled during our operating hours, Mondays to Fridays between 9.00 am and 6.00 pm (excluding public holidays).

If your schedule does not allow you to come during our normal operating hours, you may request for an evening appointment between Mondays to Thursdays (excluding public holidays). Evening appointments typically begin at 7 pm.



There is a one-time fee of $30 payable on your first counselling session. No further fees are payable for subsequent sessions (if required) or for setting a debt repayment arrangement under a Debt Management Programme (if assessed suitable).

Do speak to our Client Support Officers should you face any difficulties in affording the payment.