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Debt Problems Are Not Hard To Identify

Credit Counselling helps in any situation involving out-of-control debt. A debt problem is not hard to identify. The general rule is that you are in serious financial trouble when your monthly debt payments - not counting mortgage or rent - exceed 20 per cent of your income.

There are also rules of common sense. Just look at how you live. Do your money problems never seem to end? Do you often spend too much? Is it hard to pay bills? Do you have trouble saving money and keeping track of it?

If yes is the answer to any of these questions, then you should seek credit counselling. Just remember that most financial problems involve more than facts and figures. Debt problems often stem from bad attitudes towards money.

Credit counselling helps you deal with those attitudes, as well as all the facts and figures. You may have to change your attitude towards money. That may mean waking up to signs that you have a debt problem.

We Analyze Your Financial Situation

We Provide Personalized Options Based On What Is Best For You

We Eliminate creditor harassment

Watch For Warning Signs Of Credit Problems

Debt help only comes if you ask for it. Usually, before that happens, you need to be aware of how you are mishandling your money. Face up to bad behavior that creates money problems. Look for warning signs of debt trouble that may include:

When you are only paying or not able to cope with your credit facilities minimum payments.

When your credit cards are nearing or over credit limits and you cannot lower the outstanding amounts already.

When some of your facilities have been cancelled or gone into collection department.

When more than half of your salary goes to repaying your credit facilities’ minimum payments or creditors.

When you are dependent on credit facilities to support your lifestyle.

When you are hiding bills and credit facilities statements from your family members.

When you are dependent on cash advance or need to do cash advance every month.

When new credit facilities’ applications are decline by banks.

You can take charge of your life. If you are having debt problems that you feel are too much to handle, then it may be time to consider what debt counselling can do for you.

Don't Worry About Being Qualified For Personal Or Business Debt Management

Debt help is available to anyone who is stressed about credit card bills, personal loans, payroll loans – or any other kind of debt that isn’t backed up by collateral (like a house or a car).

At , we welcome anyone who needs advice about how to handle money and reduce or eliminate debt. Our clients come from all walks of life. You are eligible for help regardless of age, sex, race, creed or income level. There’s no pressure or judgment. And everything we do for you is confidential.

Once we understand your situation, you can enter a Debt Management Program, or we will help you through alternative measures that suit your finances, needs, hopes and dreams.

Helping satisfied clients get out of debt and live happier, more financially secure lives is why the list of people who support our works grows year after year.

Why choose SG Debt Buster?

We can help you change your debt story and start afresh.

Every year, we help over thousand plus people resolve their problems, repay their debts and rebuild their lives. We could do the same for you.

Hear their success stories

Individuals who we've helped since 2004


Million of interest saved by our repayment plan


Business owner who we've helped since 2004


Success rate on cases that we've helped

Our Program Can Assist You


Reduce interest, monthly repayment amount and late fees will be waived


Avoid further legal actions and eliminate creditor harassment.


Improve financial management.


Customise payment to suit your salary date.


Be Debt Free Sooner

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