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Hi Bunny, thank you so much for your input. I've actually called IPTO to ask about assistance in filing of the forms because I saw the same brochure info but the told me they do not provide such service. I was directed to Supreme Court enquiry line and they said normally, the applicants sought...

We've approached CCS for help but they suggested us to opt for bankruptcy. The counsellor we've got was kind of impatient, plus he told us we can only finish paying our debts in 9 years time, which there's a chance the banks won't accept such arrangement. And he didn't bothered to even help us...

Dear all, Long story short, my dad chalked up 100k+ cc debts over a span of 9 years. Majority of the money went to treating my mother who was diagnosed with an illness since 2007. In between, she suffered a mild stroke and her previous illness worsened. All in all, her medical fees and the...

Thank you for your encouragement! But right now we're facing another huge problem. We have no idea how to fill in the Statement of Affairs for the application and has no means to hire a lawyer. It's getting really depressing - and we really want to avoid the seizure by banks. Called up IPTO &...

Hello, Wluyan. I have to admit it's taking a toll on us. It's not exactly what I wish for my parents to go through at their age. But no point moping, I'll just have to accept reality & hopefully, after my university I'll be able to earn an income & help my dad with the repayment so he'll be...

Hello, Bunny26. My dad does not qualify for that because his debts are slightly over 100k. To be honest, bankruptcy is our last resort too, but after exploring all possible ways to repay the debt, bankruptcy is the only road we can take. Thank you for your wishes. My family is trying to be as...

Hello, Pandora8. We've actually tried heading over to CCS to work out something but the counsellor told us there is no way we can repay the bank based on what we have in a few years. It takes 9 years & he refused to help us to even try to negotiate with the banks. I've called up the banks on...

Hi all, I would like to seek for some advice, if possible. My dad owes a 100k debt to several banks and due to the nature of his work, his income isn't stable. He used to be able to pay the monthly minimum sum until recent months as his income decreased by 2k. He's been 2 months behind...