Book a Free, Confidential Debt Consultation in Singapore
Taking the first step is often the hardest part. Our free debt consultation in Singapore gives you a safe, judgment-free space to understand your options — whether you are dealing with mounting credit card debt, personal loans, or creditor pressure. A qualified consultant will listen and help you see a clearer path forward.
No judgment. No pressure. Just a clearer picture of where you stand and the next informed step.
What you'll get
What to prepare
Our confidentiality promise
Your information is handled under a PDPA-aware process and is only accessible to your assigned consultant. You are always treated with dignity.
Your details
All fields are confidential. Mock only — nothing is submitted in this prototype.
Do not enter full NRIC, full bank account numbers, passwords, or Singpass details here.
Request received
Thank you. In the live service, a consultant would reach out within one working day to arrange your confidential consultation. (This is a prototype — nothing was actually sent.)
Frequently asked questions
Is the debt consultation really free?
Yes. Your initial consultation with Debts or Death is completely free of charge. There is no obligation to engage any paid service after the session. We believe everyone deserves access to clear debt information before making any decisions.
What happens during a debt consultation in Singapore?
A consultant will review your current financial situation — your debts, income, and expenses — and explain the options that may be available to you, such as debt consolidation, the Debt Repayment Scheme (DRS), or informal creditor negotiation. You will leave with a clearer picture of your position and possible next steps.
How is my personal information kept confidential?
Your details are handled under a PDPA-aware process and are only accessible to your assigned consultant. Debts or Death does not share your information with third parties without your consent. You can review our privacy practices before submitting any details.
Do I need to prepare documents before the consultation?
It helps to have a rough overview of your debts (amounts, creditors, monthly repayments) and your monthly income and expenses. You do not need formal documents for the first session — your consultant can guide you on what to gather for any follow-up.
Can I book a consultation online or does it have to be in person?
You can choose your preferred mode — online video call, phone, or in-person — when you submit the booking form. We aim to accommodate whichever format feels most comfortable for you.
How quickly will someone get back to me after I submit the form?
A consultant will typically reach out within one working day to confirm your consultation time and answer any initial questions. If your situation is urgent, please indicate this in the 'Anything you'd like us to know' field.
Is this legal advice?
No. Debts or Death is a debt consultancy, not a law firm. The guidance provided is general financial and debt-management information to help you understand your options. For legal advice, you should consult a licensed lawyer or seek assistance from the Legal Aid Bureau.
What types of debt situations do you help with?
We work with individuals facing a wide range of debt challenges, including credit card debt, personal loans, medical bills, business debts, and situations where creditors or debt collectors are making contact. Our consultants can help you understand which formal or informal options may suit your circumstances.