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WHAT WE DO

What We Can Achieve For YOU

  • Eliminate all your unsecured debts in the shortest time possible.
  • Tailor a comprehensive Debt Management Program to fit your financial requirements.
  • Reduce your debts to a manageable level based on your budget and limitations.
  • Reduce the banks' interest rates for you.
  • Eliminate most, if not all, late charges and over the limit fees for you.
  • Consolidate all your multiple payments into one simple monthly payment.
  • Getting you out of debt without filing for Bankruptcy.
  • Rebuilding your credit ratings.
  • Stop annoying and harassing phone calls from creditor(s).
  • Relieve the pressure and stress that come with being in debt.
  • Help you eliminate your debt and regain control of your life.
  • If need be, minimize the impact of Bankruptcy for you and your family.
Before calling us, have you done this?
Before you pay a professional consultant for help, you should ensure that you have tried all the easy solutions first.  For instance, have you considered a loan from a family member or a close friend?  Have you considered consolidating your debt on a low-interest rate credit card or a home equity loan?  Finally, we have to ask you the obvious:  Have you tried to cut down on your expenses?  Why not track your spending for a few weeks, then see what expenses you can reduce?  This is probably the quickest way to debt reduction.

A Word of Warning...
If you've somehow managed to keep your credit report clean even as your debts spiralled, you need to know that there will be a downside to contacting a Debt Management Consultant or requesting for an instalment plan from the banks.  Not every creditor looks upon your involvement with one as a good thing and could issue an alert on your credit report. That would affect your chances of getting credit down the road. In Singapore, the Credit Bureau of Singapore keeps your record of "poor credit' for another 6 more years after your last outstanding payment has been made.  Not exactly what you're aiming for here.  Is it worth the risk?  That's something you'll have to decide; weighing the chances your credit report will take a beating anyway if you keep falling further behind.

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LINKS
Central Provident Fund (CPF)
Housing & Development Board (HDB)
Internal Revenue Authority of Singapore (IRAS)

Ministry of Manpower (MOM)

DebtReform Private Limited
10 Anson Road #19-07A
International Plaza
(above Tanjung Pagar MRT Station)
Singapore 079903
enquires@debtreform.com