Singapore Debt Consultancy Built on Clarity, Dignity & Honest Guidance
Debts or Death is a Singapore debt consultancy that helps individuals facing financial pressure understand their situation clearly, organise their documents, and prepare for informed next steps — without judgement. Founded on the compassionate principles of Dr Kadariah Maunah's book, we combine professional support with a deeply human approach.
We help people facing debt pressure understand their situation clearly, organise their documents properly, and take informed next steps with confidence — never shame.
Our mission
To help people understand their debt situation clearly, organise their documents properly, and prepare for informed next steps with professional support — restoring clarity and dignity along the way.
Why we exist
Debt is rarely just about money — it carries silence, shame, and strain on families. We exist to meet that silent pain with clarity and respect, and to make the next step feel possible.
Human-first, document-based, AI-assisted
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DEBTS or DEATH
The Silent Pain Behind Financial Struggle. Dr Kadariah Maunah shines a light on the hidden emotional cost of debt — and the courage to seek peace beyond despair. The book's compassionate voice is the foundation of everything we do.
Debts or Death is a subconsultancy of The Insolvents.
Confidential & professional, always
Your information is handled under a PDPA-aware process and accessible only to your assigned consultant. We are honest about what we can and cannot do, and we never guarantee outcomes.
Book a confidential consultationFrequently asked questions
What does a debt consultancy in Singapore actually do?
A debt consultancy helps you understand your current debt situation, identify the options available under Singapore law, and organise the documents you need before taking any formal steps. At Debts or Death, we guide you through that process clearly and without pressure, so you can make informed decisions at your own pace.
Is Debts or Death a licensed moneylender or law firm?
No. Debts or Death is a debt consultancy, not a moneylender or law firm. We do not lend money and we do not provide legal advice. We help clients understand their situation, prepare their documents, and connect with the appropriate professionals when legal representation is needed.
Who founded Debts or Death and what is the story behind it?
Debts or Death was founded on the principles in Dr Kadariah Maunah's book 'Debts or Death: The Silent Pain Behind Financial Struggle', which explores the emotional and social weight of debt in Singapore. The consultancy exists to translate that compassionate insight into practical, professional support for people in financial difficulty.
Is my information kept confidential when I consult Debts or Death?
Yes. All information you share is handled under a PDPA-aware process and is accessible only to your assigned consultant. We treat confidentiality as a professional obligation, not an afterthought.
What is the relationship between Debts or Death and The Insolvents?
Debts or Death operates as a subconsultancy of The Insolvents, a Singapore-based insolvency and debt advisory practice. This relationship means clients benefit from a broader network of expertise while receiving the focused, human-centred service that Debts or Death is built around.
Can Debts or Death guarantee that my debt problem will be resolved?
No. We are transparent about the fact that we never guarantee outcomes — every debt situation is unique and depends on individual circumstances, creditor responses, and applicable regulations. What we do guarantee is honest, professional guidance and full respect for your dignity throughout the process.
Who is Debts or Death suitable for in Singapore?
Our consultancy is suitable for individuals in Singapore who are feeling overwhelmed by personal debt, unsure of their options, or struggling to organise their financial documents before seeking formal help. We work with salaried employees, self-employed individuals, and anyone facing debt pressure who needs a calm, structured starting point.
How do I get started with Debts or Death?
You can book a confidential consultation directly through our website. There is no obligation to proceed further after the initial session — the goal of that first conversation is simply to help you understand your situation more clearly.