Dealing with an Unsecured Consumer Debt Problem

If you are finding it increasingly difficult to set aside money to make payments to your credit cards and loan accounts, it may mean that you are facing a debt problem.

You may also deliberately miss some household bills, like conservancy charges, utilities, or telco services, so that you may have some money left over to pay some creditors.

You may also find yourself feeling anxious about receiving phone calls, as it may be from banks or finance companies that are calling to demand for payment, when you simply don’t have money to pay.

The first step in dealing with a debt problem is to acknowledge that it is a problem and be willing to receive debt advise.

Consumer Debt Management Information Talks

Get reliable and unbiased information on how you can address a debt problem by attending our free information talks on debt management.

After attending the presentation, you will:

1.    Be familiar with the various options you can consider to address an unsecured debt problem.

2.    Be aware of what are the do’s and dont’s when dealing with a debt issue.

3.    Know how to deal with creditors, when you already face difficulties in making payment.

4.    Be aware of the common collection actions that creditors take to recover money owed.

5.    Know more about CCS Debt Management Programme.


By the end of the presentation, most people usually have a clearer understanding of what they should and should not do in order to avoid spiralling deeper into debt.

Should you wish to arrange for an appointment to see a Credit Counsellor for personalised debt advise, follow the instructions provided at the end of the webinar. You will have the option to:

1. Request for a personalised link to our Online Submission Portal to submit a request for credit counselling and upload the relevant supporting document, or

2. Download a PDF-format Counselling Request Form to be completed and submitted with relevant supporting documents via post or email to CCS.


English talks:

  1. Weekday evenings in-person at CCS seminar room.
  2. Alternate Saturday afternoons, via Zoom.

Mandarin talks:

  1. Conducted monthly on weekday evenings, in-person at CCS seminar room.

The dates for upcoming webinars are as follows:

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You may consider enrolling for our Online Debt Management Course if your schedule does not allow you to attend our ‘live’ Debt Management webinar.

Click here to enrol.