Take control of your debt before it controls your life.
Confidential debt consultancy powered by structured document review, clear debt analysis, and ClarityAI-assisted preparation — guided by a real human consultant.
Debts or Death is a Singapore debt consultancy offering personal debt help and confidential consultation — we are not a law firm and do not provide legal advice.
Debt can feel overwhelming. Your next step does not have to be.
If any of this sounds familiar, take a breath. These are the situations we help people work through every week — calmly, and without judgment.
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Understand, organise, and act — with support at every step.
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An assistant that prepares — so your consultant can focus on you.
ClarityAI is an internal preparation tool. It helps classify your documents, flag what's missing, summarise your debt exposure, and draft consultant notes — never a final recommendation.
A clear path, walked together
"No judgment. No pressure. Just a clearer picture of where you stand."
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Every kind of debt has a path through it
Confidential by design, human by choice.
Your information stays private and is handled under a PDPA-aware process. You are always treated with dignity.
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Clarity restored, quietly
Identities anonymised to protect client confidentiality. Results vary by case.
From the blog
Read all articlesDebt questions, answered honestly
Plain answers to what people across Singapore ask us most. This is general information, not legal advice.
What happens if I can’t pay my credit card in Singapore?
Missing payments can lead to late fees, rising interest, and eventually letters of demand or legal action from the bank. The earlier you act, the more options you usually have — from negotiating repayments to organising a clear plan. A confidential consultation helps you understand where you stand before things escalate.
Is debt restructuring or a debt repayment scheme available in Singapore?
Yes. Depending on your circumstances, options can include negotiating revised repayment terms with creditors, debt consolidation, or formal routes such as the Debt Repayment Scheme (DRS). Eligibility depends on your total debts, income, and creditors — we help you prepare and understand what may apply to you.
How is a debt consultancy different from a lawyer?
A debt consultancy like Debts or Death helps you understand your situation, organise your documents, and prepare for your next steps. We are not a law firm and do not provide legal advice or represent you in court. Where legal advice is needed, we will be clear about that.
Will speaking to Debts or Death affect my credit record?
Simply speaking to us for a confidential consultation does not affect your credit record. Your credit information is held by Singapore’s credit bureaus and reflects your borrowing and repayment history — not the fact that you sought guidance.
What documents should I prepare for a debt consultation?
Helpful documents include recent bank statements, credit card and loan statements, payslips or income proof, CPF contribution history, and any letters from creditors. You do not need everything to start — our calculator and consultant will guide you on what to gather.
Is my information kept confidential?
Yes. Your information is handled under a PDPA-aware process and is accessible only to your assigned consultant. We treat every conversation with discretion and respect.