Personal Debt Collection
Personal debt collection refers to the process of recovering money owed by individuals, whether due to unpaid loans, overdue credit card balances, bounced cheques, or unsettled bills for goods and services. Unlike commercial debt, personal debt recovery requires a more sensitive, case-by-case approach that takes into account the individual’s financial situation, communication style, and willingness to cooperate.
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At Debt Consultant Services Pte Ltd, we understand that personal debt recovery must balance firmness with empathy. Our team approaches each case with professionalism, discretion, and compliance with Singapore's legal and ethical standards. We aim to achieve amicable resolutions while minimizing stress and conflict between the parties involved.
Our personal debt collection services include:
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Recovery of private loans between individuals or through informal agreements
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Credit-related collection (credit card debt, unpaid instalments, hire-purchase issues)
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Utility or subscription arrears (e.g., telecom, insurance, medical bills)
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Case assessment and documentation validation
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Polite, structured follow-ups via call, text, letter, or personal visit
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Negotiation of realistic repayment plans when necessary
Our clients include both private individuals and small businesses who are owed money by individuals but struggle with prolonged delays or lack of communication. This includes:
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Private lenders or friends/family who have loaned money under written or verbal agreements
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Freelancers or sole proprietors owed for services
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Landlords collecting unpaid rent or damages
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Small businesses with individual customers defaulting on payments
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Professionals (e.g., doctors, lawyers, tutors) with clients who have outstanding bills
Whether the debt is formal or informal, we assist in turning frustrating situations into structured recovery processes — helping clients regain control without resorting to unnecessary legal battles.
✱ Discreet & Respectful Handling
We protect your privacy and handle communications professionally, without harassment or public embarrassment to either party.
✱ Experienced Negotiators
Our team is trained in both mediation and debt recovery — striking a balance between being firm and fair.
✱ Legal & Ethical Compliance
We ensure all actions comply with Singapore’s regulations, especially concerning personal data and conduct.
✱ Real-Time Progress Updates
You’ll receive regular updates, so you’re never left wondering about the status of your case.
✱ Custom Strategies
Every debt situation is unique. We tailor our approach to match the debtor’s profile, increasing the chance of recovery.
Contact us
Fill up the form or call us at
+65 8857 7183
