Credit Counselling Singapore
Credit Counselling Singapore
A non-profit agency offering credit counselling, financial education, and facilitation of structured repayment plans for people in Singapore struggling with unsecured debt. Provides talks, assessments, and tailored support through a Debt Management Programme.
Overview
Credit Counselling Singapore (CCS) is an independent, non-profit social service agency that helps individuals who are struggling with unsecured debt (e.g., credit cards, personal loans) regain control of their finances.
Key features:
- Credit counselling: One-on-one or group sessions to review income, expenses and cashflow, assess payment capacity, and explore feasible solutions.
- Debt Management Programme (DMP) facilitation: Works closely with participating banks and licensed moneylenders, with support from ABS and CAS, to arrange suitable repayment plans where appropriate.
- Education and awareness: Free talks and webinars on managing unsecured debt, dos and don’ts, and available settlement approaches.
- Financial literacy resources: Articles, workshops, and tools such as a monthly budget template.
- Multiple service offerings: Consumer and business debt management, bankruptcy support programme, financial education, and information on the Repayment Assistance Scheme (RAS).
Who it helps:
- Individuals in Singapore facing challenges with unsecured debt who want practical guidance, structured repayment options, and financial education.
Scheme type
Who qualifies
Eligibility groups
What you receive
Eligibility details
Individuals facing difficulties with unsecured debt who wish to seek advice and explore repayment solutions. Participation typically starts with attending a CCS debt management talk/webinar before submitting a counselling request with required supporting documents. Suitability for a Debt Management Programme is assessed based on payment capacity during counselling.
How to apply
- Attend a free CCS Debt Management Talk/Webinar to learn options and the DMP process.
- Complete the feedback/attendance form; provide your email to receive a PDF Counselling Request Form (or collect a printed form if attending in-person).
- Prepare and submit the Counselling Request Form together with the required supporting documents.
- CCS will call you to arrange an appointment once all documents are received.
- Attend the counselling session (about 1 hour), which may be individual or group, to assess payment capacity and discuss feasible solutions.
Agency details
Service area
Singapore
Important Information
Scheme details may change. Check the official agency website for the latest eligibility, benefits, and application information.
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