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We take pride in delivering world-class service to all of our customers. Read what some of our satisfied clients have said about us!


(Tuesday, 23 February, 2010) Hi Jo, I really appreciated the help that you have given me from the day that i engaged your firm's services. I really regretted not going to your firm for consultation earlier on. But better late than never, i finally found the solution to end all the monthly worries, like where to find the extra money to cover up all the accounts. Now, i won't have to struggle hard monthly to find the extra money to pay for all the loans and credit card bills. I wish to say thanks once again.

Thanks. Dawn

(Tuesday, 9 February, 2010) Dear Christine & the management, First, I would like to wish you a Happy Lunar New Year. Second, I would like express my heartfelt gratitude to Ms Christine for her support & guidance during my path to achieve a plausible goal to repay my credit card debts in which I have not been able to manage my money well & that my desire in owning branded items has ended up being put up for sale in order to repay the monthly interest that I've incurred over a short period. Everything started to fall after my end year holiday. Bills after bills cames, follow by reminder & calls... that was just in April 09 & i realised that i can no longer maintain these cards & needed help gravely. In July 2009. A pure chance came by when i saw a small link of the company in my web account. Curious, i went to check out the website to assure of its credibility before i left my contact in their website. Shortly, I got a follow up call & schedule an appointment the following week. When i first met Christine, I felt a strong sense of professionalism in her with a hint of style. At first, she gave me a cold reality in choosing between declaring bankruptcy or disciplining myself to dutiful repay my debts on time for the next 5 - 6 years. It's definitely a wake up call that i needed badly. After the consultation, I decided to go through with her. As i own quite a number of cards, I guess I have given Christine alot of work to go through, sending out letters to appeal for my debts which i can't help feeling thankful. Within 4 weeks, 2 of the banks have approved my repayment schemes & the rest follow suit. What really impressed me was when one of the banks sent a letter to my employer, I was shocked & worried if it would affect my employment. The minute i call Christine regarding this matter, she was able to advise me on what to say to the bank with calm & assurance. Everything was finally put into place in November 2009 & I have since greatly adjust my lifestyle. It has not been easy but I guess its better off than been marked 'Bankrupted'. If I have never came upon that link, I don't even know where will i be now. so thank you.

Sincerely from, Y.S

(Tuesday, 22 December 2009) Hi Regina, Here attached is the letter of confirmation from the last bank that had given me so much pain and heartache... Or was I too emotional...? Hahaha... Once again, THANK YOU Regina for your great help. I just couldn't imagine what would have happened to me by now if I had not met you and gotten you and the company to help. I sincerely thank you from the bottom of my heart for giving me such great confidence and trust that things will work out as planned eventually. I'm so motivated to finish off all my debts... Hehehe... My fiancee and I had decided to use both our bonus to clear as much as possible so as to shorten the repayment period... Like what you said, must clear the ones with high interest rate first which is ********... Thank you my dear... I thank GOD for having met someone with a lot of patience and pleasant like you...


(Thursday, 17 December 2009) Hi Regina, I'm happy to inform you that I already recieved the approval from *** regarding to my Term Loan. They gave me 12% per annum, S$122.34 per month & payable for 5years. I would like to thank you for all your help & the never ending support and encouragement that you given me. Now everything is okay I can go back to my normal life and no more worries. More Power to you and your company.


(Thursday, 3 December, 2009) Dear Christine, Your letter was well received. Thanks for your patience and advise throughout my entire process to settle all the debts. Without your help, I would probably have to starve my way through to pay the debts. On overall, we managed to save almost 10k on interest. =) I managed my money wisely now. The cash book that you gave me to monitor my spending is very useful! Note to others: You bump into synthesis website with probably the same reason I had a few months ago. (to clear your credit cards/credit line bills). You have come to the right place. Dont hesitate and make an appt with Christine now. Her warm natured and experienced will lead you to a debt free road. Once again, Thanks Christine and all the staff from Synthesis Consultancy. Merry X'mas and Happy New Year!!

Warm Regards, Siti

(Thursday, 15 October, 2009) Hi Chris, I would like to thank you and your company in helping me to settle my debts with the respective banks. Before I got to know there is such a service in Singapore, I was heavily in debt with the banks. I was hounded by the collections officers from different banks on a daily basis. They don't give me peace at all and kept calling me via my mobile and even my office. My boss even got to know and it nearly affected my job. I was at wits end till I got to know your company. Thanks to the company that they helped me to negotiate with the banks and obtained lower interest and affordable monthly instalments. Although it's gonna take a few years to clear these debts, I'm still grateful for the assistance rendered by yourself and the company. When I first visited the office, I was embarrassed because I was in heavy debt. But your professionalism shows you don't look down on people like us and assisted me in every way you can. There were times when I kept calling you for assistance and you helped me throughout. This episode has helped me to better manage my finance in future. Thanks to you!

Best Regards, Calvyn Tang

(Friday, 14 August, 2009) Hi Christine, Just received your letter Debt management program chart once i look at it and i now understand the high interest the bank charge. i could see the very significant difference of the amount of dollars saved. people me like tends to look at short terms gain and short terms to solve the problem. i must say that i have learnt a lot to manage my money now, during the process, when dealing with the bank officer, made me more confident as a person. This will not happen if i dont seek professional help like u. your firm, confident but gentle in approach, in giving advice to deal in difficult situation is very encouraging. Well, Chris, most importantly I want to say that i sincerely felt very relieved when all the hard 'bargaining" from the banks, At last was approved. i must say that was the best moment in my life and i really looking forward in coming years to become debt free. once again Christine, BIG THANKS TO YOU.

Yours truly, Aini bin Maarof. (Jurong West)

(Wednesday, 5 August, 2009) Hi Ms. Christine, Thanks so much! Yep sure I WILL! I really Thank GOD for directing my life to the correct way and May GOD Bless the company always and extend more to other people who had the same trials & challenges as mine. You're Great advisor Ms. Christine....All your Help are GREATLY APPRECIATED! :-) GOD BLESS!

Thanks & Warm Regards, Cheryl


23 April 2011 To Whom It may concern Testimonial for Ms Regina Lim Regina is a very patient and professional counsellor. Without her I will not be where I am today. I signed up for an appointment in Dec 2009 where I first met Regina who went through in details of the programme. After that session , I was rather hesitant at firstto sign up for the programme. After struggling for a year, my problem snowballed to more than half the initial amount. Finally I took up the courage and signed up again for a second appointment in Dec 2010 . Regina was very patient with me as I was under extreme pressure and stress at that time with a huge debt with 7 banks.She took pains to stand by me to appproach one bank after another. Some through fax correspondance that Regina helped to prepare and follow up , some through emails and some through phone calls that she helped to guide me through, ever ready to render a shoulder to cry on in times of destress or encouragement whenever I am on the verge of giving up. I started my programme with Regina in Jan 2011 and today after working hard for 4 months, I finally managed to get approvals from all 7 banks for debt relief programme and at a much much lower interest rate with the great help and support from Regina. She gave me many timely and good advices on how to approach the banks. I felt at ease with her as she is always there to give advise in my grey days! I am truly grateful to Regina and am looking forward to the years to come for a debt free life!

Yours truly, Eileen Cha

14 Jan 2011 Hi Regina, Enclosed are the 2 letters from Citibank and UOB on the repayment plan for your reference. With this, I will just have to concentrate to pay all the outstanding payment for all Citibank, UOB & Std Chtd based on the stipulated monthly date till I complete my full settlement. However, if I do manage to settle earlier, I will just keep you posted for your record. If you do not mind, I will still call you to seek your expert advice if I need your help down the road. I could not have done this without your help. Thanks for all the great help, patience and advice. It is really a blessing that I discover your service. Will keep in touch with you in future, this time to give you good news that I have settled all my outstanding with all the 3 banks !!

Thanks a million again. Rosnah

Hi Jo, Kudos for making this happen! I never regretted choosing you guys and will surely recommend to others if they need help, as I am confident that the company can bring smiles to them. Nice knowing you as well as the rest in the company. I hereby wish the company every success for the new year, and more years to come.

With much gratitude, Edmond Lee 26 Dec 2010

Attn: Jo Jo Dear Jo Season Greetings. This thank you letter had been delayed since first week of December as I had decided , if ever to compliment and gratefully acknowledge your services, I need to be away from work and preferably on leave to compose my thoughts . I am on leave till 28 Dec. When I first came to you, I was not confident you could settle my problem. However, since my first visit to your office in Aug 2010, you have displayed understanding and confidence , and you continued to display the same despite my numerous calls/ emails to you until settlement about 1 Dec 2010. At the age 58 years , and my debts with eight credit card accounts amounting $64,014.57 , which I accumulated in the last two years . I struggled to pay the minimum and often telephone calls from banks, at various times during work, demanding to know when my next payment due. My promises to them was not kept and as such, follow up calls from banks. No one knew my predicament , not my wife, nor my closest friend. I lived with it for two- three years. Since settlement with banks, of course through your persevered intervention with them, my debt was resolved in three months, what I was struggling for three years. I reproduce the following: Total creditors – 6 but total card accounts – 8. Minimum payment before consolidation - $4126.80 Minimum payment after consolidation - $1948,00 Monthly savings on Minimum payment- $2,178.80 Monthly salary - $6,000. Today, since settlement with the banks, I can breathe easier everyday , and my marriage is saved and my embarrassment with my friends is avoided. I will cherish with gratitude your assurance of comfort provided at any working day, when I call or email to you , and not forgetting your colleagues who always pleasant on the phone. Finally, I will recommend to those in similar debt situations. Wish you and your colleagues a "Happy & Prosperous New Year". GOD BLESS.


Hi Christine and Regina, Thanks a million for taking your valuable time to give counseling, advice and direction. I had suffered for a very period of time "living in hell" and thank God that i read about your website. I really appreciate all your effort. Once again, THANK YOU. Mohd Din (Jurong) I am glad that i came to you for help because I really don't know how I could have gone on paying using my entire salary every month, with nothing left to survive on literally! From the very first call that I made seeking help, Jorryn answered my questions on the spot without insisting for a meeting first even though I hadn't signed up at that time, unlike the others whom I approached before you.Along the way, your advise and reassurance gave me the courage to answer the bank calmly and with every bank that gave me an installment plan, I gained confidence that I will get through this dark part of my life. Nobody would have guessed the tremendous stress I was under. Thanks to you, I am less stressed now and can focus my energy on my family rather than my disastrous finances. I wish for everyone who is in the same situation as me to be able to get help from someone like you. To be able to pass on the heavy burden of debt to some one who can help me make it disappear is a great feeling that i would love to share with others! I look forward to 5 years down the road when I will be leading a debtfreelife!"

Junaidah, 34 (Jurong)

The first thing I had to do was face my problem, that was the hardest part. As soon as I'd done that, I managed to reduce my debt by $6,044 immediately. Every month now, I can see it getting smaller. After so many years of living with debt the end is in sight! Once again thanks.'

Jack 41 (Yishun Close) I only realized that i needed to do something about my debts with various banks a few months ago and the term Debt Consolidation was totally foreign to me when a friend of mine from overseas urged me to think of it. Evading my responsibility has not been an option to me as a Christian. I confessed to God and I prayed hard for direction. In the middle of one of the nights which I couldn't sleep, I searched online for anywhere I could seek help and advice for Debt Consolidation. The only choice shown to me was Synthesis Consultancy. What was written in their website was very encouraging and positive. But I was still cautious as you never know who and what you could trust from online information. So I prayed and prayed asking God to show me if this was the door He wanted me to go and seek help. Yes, it was. Of course I could not expect the company to lent me a loan to consolidate my debts. But what I have got from them was the good advice on what to do and what not to do. I have to say that Christine has been very helpful and supportive during the course. She was very friendly and assertive that you would not feel left alone even when you were desperate. This has made my difficult few months so much more easier to past on. I do appreciate the help and advice from them. With God's reassurance of His love to me, they did help me see the rainbow He has promised at the end of th tunnel. And my advice to you is never allows your debts from credit cards and loans to snowball. If you do have a snowball already on hands, quickly attend to it right away and stop it from rolling bigger and bigger. Such snowball could be so enormous that so fast and so quietly that you could not breathe at all one day all of a sudden."

Grace Chan, 41 I am very glad that all my creditors had offered a debt relief plans and term loan for me to repay off the outstanding sum. Thanks for your help to negotiate with them on my behalf for a reasonable term and lower interest rate. This has greatly reduced my stress and financial burden. Jorryn, Thanks for your professional advice and moral support for the past few months. You are indeed an outstanding Counselor!"

Lee K. S, 33 (Edgefield Plains)

Going to the company was one of the most difficult decision I have ever made in my whole life and it has proven to be the best decision I have ever made. Life is much easier now, I don't feel like I am on the brink of a life of desperation anymore..all thanks to you, Jorryn. From the bottom of my heart, I am very thankful for your helping hand, wise counsel and encouragement. I cannot imagine what life would be if not for the company, and of course you. I will certainly never ever get myself into that kind of situation anymore, it is too horrifying."

Mavis, 38 (Ang Mo Kio)

I was lost and trapped in a huge amount of debt...amounting to almost 50K for 3 credit cards and 5 personal line of credit. The worse of it all was that I was only able to repay the minimum amount each month. This proved to be a very bad solution as the minimum payment amounts to nothing substantial. I was merely paying the interest each month without any major reduction in the principle amount. This went on for almost 2 years and the situation took a bad turn when a huge amount of unforeseen payments came up...child's hospitalization, etc leads to a big sum of money paid out. This meant that for 2 to 3 months, I could not pay some of the minimum payment which I was paying religiously every month..worse still, with the credit card and cash line account still at my disposal, the temptation to use the credit cards is too hard to resist especially in these months that preceded. I attended a financial counseling course at church and realized that I have to seek professional help. To be honest, perhaps like you reading this now, I came to Synthesis' website when I googled for help... many times, their name and website or mention in forum pages came up tops of the search listings. But I was still skeptical about them but decided to pay a visit anyway in 1 Aug 2007 after much prayer. My first impression of Christine was probably someone you would associate and who epitomizes the word 'cool'. With, good fashion sense and dyed hair... she was unlike the serious financial counselor or advisors whom I had assumed when I first read about her testimonies from previous clients. But don't judge her for party-goer kind look... she knows her work very very well! After my visit and a few phone exchanges, I was convinced that Christine knew a hell lot of what she is doing and I was RIGHT in seeking their help. Albeit the turmoil of having multiple phone calls, lawyers letters in letter box and on front door, she was able to advice and clearly articulate how the situation is and will be and how I should react to all these letters and phone calls from Banks and Law firms...that really are like 'loan-sharks'... only difference is that they are legal and I can't call the police. I learnt to Trust Her and God. I find the next 2 months clinging on to her for Hope and Help...especially with each bank-call or letter of rejection of repayment proposal, Christine was able to assure me of the situation and how it will entail and I found myself getting a lot of support in this period where I was even panicky sending numerous emails and calls to her... each time, she did not sound irritated yet was forth-coming in her response and advice. Within 1 month, I was able to see clearer that indeed their help was bearing fruits. All my creditors/banks started to respond more amicable and started to accept and at least negotiate the repayment plans to them. By the 2nd month...all my creditors have responded amicably and accepted my repayment plans (help planned by the company). Till date, I have reduced my monthly repayment by $386 (which goes a long way to helping my family's monthly expense) and a reduced interest charge of $11,559.86. Most importantly, Christine, was able to help me see to a committed repayment plan to the creditors and I can see clearer now that within 5/6 years, I would have totally paid of my debts, managing a sustainable monthly repayment. If it wasn't for their' help, I will still possibly be paying for nothing and 5 years down, I could still be looking at their testimony page wondering if they are real and still not had paid half of what I owe... Trust me, Go for it. I never regretted and have them to thank for being part of God's Plan in giving Hope for my family's Future. I learnt to Trust God and the company... You should try one of this 2 at least if not both." Mr. Poh 36 (Bukit Merah) I would like to take this opportunity to thank Ms Christine for her advice and assistance in helping me arrange a repayment plan to settle my debts with Credit Card companies. This arrangement has significantly reduced the interest rates ad monthly repayments for me. I would also like to state that her patience and encouragement to preserver during this trying period for me is greatly appreciated. My heartfelt thanks for helping me overcome the darkest period of my life. For the record, I would like state that I highly recommend Synthesis Consultancy to anyone seeking assistance on debt related matters."

Renuka 48


28 March 2016 Dear Regina, thanks for the assistance. I would like to take this opportunity to write a testimonial of your services. In fact before i came to know of debt buster, i was hounded and stressed daily and monthly for the past years trying to cough out payments for all the interests of the loans taken from the legal money lenders and the banks. Just when i thought i have reached a dead end, i got an appointment with you from debt buster. I spend some hours going through with you of all the loans taken and you have guided me patiently with all the necessary options that i could took to get out of this trouble. That is when i saw some light and hopes seriously. I file the necessary documents in high court and now is on track to repay all the loans i have took since years ago. Although i have still some days more to attend my court hearing, i believe future i am able to repay promptly and clear the debts once and for all. Thanks for the wonderful services and despite the fact that i am still oversea working and call you to help in certain issues ie, delay of court hearing or whatever, you still attend to me patiently and wholeheartedly. Thanks for everything. God bless you and your team in helping those necessary people like me whom are in debts badly. I deeply appreciate what you have done for me and I should come to you guys earlier then to borrow outside to cover the holes but instead enlarge it bigger till it could not sustain. I would definitely recommend your service to those that need it sincerely. Once again thanks.

Regards. Terry

2 Jan 2016 Dear Regina, Thank you for your help and patient though it was not easy at the beginning but ultimately I can move on with an ease as long I make the payment monthly. It was great to know about sgdebtbuster. Wish you & the rest all the best.

Regards, Nor"

4 Feb 2016 Dear Jo, I would like to thank you for all the help rendered to me during this difficult year. I will definitely recommend and refer other whom is facing any financial difficulties to you. Wish you have a great coming year. With lots of thanks,

Caleb PS: If you want to use the above as testimonial, please go ahead and use it. Sent from my Samsung device

3 March 2016 Dear Regina, Thank you and your team for all the advise and update provide for me. Finally I would like to say the war of negotiation with all the bank have come to an end especially with OCBC. Lastly a really big thank especially for you. Lending me your ear for my nagging, complaints and frustration over the past few months. Giving me lots of your patient advising me along the way to cope with banks. Finally our effort had paid off. Last but not least, Wishing you and your team with good health and prosperous business for your company. But do keep up the good work and continue to help those who are having difficulties in all type of financial issue. I will keep in touch with you.

*Also send my thank you message to Jeffery as well. Mr Lim

13 June 2013 Dear Li Feng, I'd like to take this opportunity to thank you and your management for all your help you have given me to restructure by debts. I wish i had learnt of you years ago. I can now see some light at the end of the tunnel with a brighter financial future. I wish more people will come tp know you. Once again thanks a lot for your help.


11 Sept 2012 Hi Regina, Just want to tell you thanks for everything for helping me these tough times by sending letters and emails, faxing to banks. The most trying and difficult saga is citibank issues. Anyway, all the banks have finally come to a close and I just need to make payment promptly. I appreciate your help and just hope to move on from here. Keep in contact. Take care and God bless too.

Warm regards, Jeremy

24 September 2012 Hi regina, This is Ariel. Remember? Wanna thank u for all the help.and support that u rendered me during those times that i needed help in applying for BP. Thank u very much!

Truly yours, Ariel B

1 Mar 2012 Dear Regina, First of all, i would like to take this opportunity to say Thank You for your wonderful advise given to me. I did not make a wasted trip down to meet you. I have consulted the individual banks and they agreed to maintain the status of the Debt Release Program. Lastly, i really appreciate that you took the time and effort to sent me a letter and follow up with my status, i am really touched by your action. You are a very professional counselor and i am really pleased with the service that you had provided to me. I will definately refer my friends to you if they are facing some financial problem in the future. Wishing you and your Family a blessed year ahead. Thanks & Best Regards,

Lim T

29 November 2012 Dear Sir/Madam, TESTIMONIAL With regards to the above, I am very happy to inform you that I had received the approval from DBS Bank and CitiBank regarding to my proposal for a Relief Plan. DBS bank gave me XX% per annum, S$XXX.00 per month & payable for 5years and CitiBank recently had approved me XX% per annum, S$XXX.00 per month for the two accounts & repayable for 5 years. In fact I was at wits end till I got to know your Company ‘Synthesis’ from “The New Paper”. Thanks to Synthesis for helping me to negotiate with the banks and obtained lower interest and affordable monthly installments. Although it's going to take a few years to clear these debts, I'm still grateful for the assistance rendered by your company. I would like to THANKS Miss LiFeng for her great help. I couldn't imagine what would have happened to me by now if I had not met her and got her and the company to help. There were at times when I kept calling her for assistance and she helped me throughout. I sincerely thank her from the bottom of my heart for giving me such great confidence and trust that things will work out as planned eventually. Your company good service is highly appreciated and will recommend to friends. Rgds YEOH XX XXX S XXXXXXXH Their one on one counselling program is great! In a world of dishonest people that will do anything to earn a dollar, it was a great relief to deal with a company that earned my trust from the get-go, which is not an easy feat. I highly recommend them!"

Kelly Ng, (Bedok North)

I was previously with another company for 7 months. During that time I had repeated phone calls from my creditors stating that they were not getting their payments in time. I made the payments to that company on time. Why were they not paying my bills? My balance actually went up from late fees and other charges. After talking with one of my creditors, she recommended Synthesis. After a few phone calls to one of their counselors, they helped me straighten out the mess that was previously made, and 9 months later, still no problems."

Dave Teo, (Pasir Ris)

After a bad divorce, and a bad car accident, I was struggling to pay the bills. I had just enough money each week to pay the minimums on the large credit card balances leaving me no money to live. I thought I was prepared for times like these, but I thought wrong. This company was recommended to me from the Human Resource Department of my company. I called them and they explained the whole program to me and was able to set me up on a program that reduced my interest and they were able to stop all the other charges like late fees/over limit fees. I was able to save my credit without filing bankruptcy!"

See S.C, (Marine Vista)

On behalf of my husband and myself, we just wanted to say thank you for all your help over the years. From our first contact until our final payment, everyone has always been extremely helpful and very pleasant. Our questions and concerns were always handled in a timely and efficient manner. The past five and a half years had its moments, and it wasn’t always easy to come up with the monthly payments, but even then, you all were there and helped us. Credit counselling worked for us, but it wouldn’t have, if it weren’t for people like you. Again, many thanks to all who were involved with us, and God bless each and everyone of you. Thank you."

Alexia Lim, (Kakit Bukit)

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