CCS Safe Management Measures - Transition to Endemic COVID-19

On 20 November 2021, the Multi-Ministry Taskforce announced easing of community Safe Management Measures (SMM), in a careful and calibrated manner, and exit the Stabilisation Phase into a Transition Phase.

See Press Release.


Credit Counselling Singapore will continue to observe the following Safe Management Measures (SMMs) at our office:


CCS office remains open from Mondays to Fridays, 9.00 am to 6.00 pm (except public holidays) for essential face-to-face sessions and in-person submission of documents only by appointment.

The following Counter Services will be available during our operating hours by appointment only:

1.   Submission of counselling request form and supporting documents.
2.   Signing of documents related to debt repayment proposal (if required).
3.   Signing of statutory declaration (if required).


Online Debt Management Webinars
Get information on what you can do to address an unsecured debt problem by attending our Debt Management Webinar conducted via Zoom or take our Online Debt Management Course.


Online Submission Portal
To arrange to speak with a Financial Counsellor for debt advise, you are required to submit a counselling request before an appointment will be provided. You may now use our Online Submission Portal to do so.

Instructions to access our online submission portal will be explained at the end of our webinars or after completing the online course


Manual Submission by email or post
You may also submit a Counselling Request Form (PDF, scanned copy or printed) with the relevant supporting documents via email or post. See guide to preparing your documents for submission


Phone Counselling Service
Presently, all financial counselling sessions are conducted over phone at the appointed date and time.


Face-to-Face Counselling Service
CCS will arrange for a face-to-face financial counselling session on a case-by-case basis, depending on the circumstances. 

Assistance for Addressing an Unsecured Debt Problem

Do explore our website to access general information on consumer debt management or business debt management, access useful resources available or call 6225 5227.

If you require assistance to address a problem with credit card outstanding balances and unsecured personal loans, attend any of our weekly Debt Management Webinars or take our Online Debt Management Course to find out more about CCS Debt Management Programme and what you need to do to arrange an appointment with a Financial Counsellor.


1.   For general enquiries, email 

2.   To change appointment date or time, email

3.   To submit documents to request for an appointment, scan the Counselling Request Package and the required supporting documents, and email them to  

4.   For counselled clients awaiting the processing of repayment proposals, email 

5.   For existing Debt Management Programme (DMP) clients, email

Please note the following steps to be taken when visiting CCS office.

1.   All visitors MUST WEAR A MASK.

2.   Sanitise your hands (sanitiser is available at the main entrance and reception counter).

3.   Do a compulsory TraceTogether-only SafeEntry check-in using the TraceTogether app or token.

4.   Take your temperature.

Updated 21 November 2021