You have a compassionate partner at WeCare. Our mission is understanding, not judgment.
You are not alone. We know this journey is hard, but it is not a failure. Our team listens with the heart and guides you through the legal pathways open to you — the Debt Repayment Scheme, bankruptcy protection, and how your HDB flat and CPF are protected. Without judgment, ever.
- Your privacy is absolute. Nobody is told — not your employer, not your creditors.
- Free and strictly confidential. No obligation, and no credit bureau footprint.
- We reply within one business day. A real consultant, not a call centre queue.
- Google rating · 20 reviews
- 5.0
- Debts assisted
- >$355M
- Satisfied clients
- 265+
- Partner trustees
- 8
Your legal options
Which route is actually open to you
Singapore law gives you more than one way out, and which one applies comes down to your circumstances rather than your credit history. Pick the situation closest to yours to see what it protects, what it asks of you, and what happens next.
Debt Repayment Scheme (DRS)
A formal, court-administered restructuring alternative to bankruptcy that allows you to repay debt over a fixed 5-year period without the public stigma or statutory disabilities of bankruptcy.
Key Legal Protections & Guarantees
- Immediate statutory stay on all creditor legal action and interest accumulation
- No publication in the Singapore Government Gazette or Bankruptcy Register
- Full retention of existing employment, professional licenses, and company directorships
Total unsecured debt not exceeding S$150,000 with a regular source of income.
HDB flats, CPF savings, and essential personal assets remain protected by law.
Unrestricted overseas travel without requiring approval from the Official Assignee.
Debt Repayment Scheme (DRS)
A formal, court-administered restructuring alternative to bankruptcy that allows you to repay debt over a fixed 5-year period without the public stigma or statutory disabilities of bankruptcy.
Key Legal Protections & Guarantees
- Immediate statutory stay on all creditor legal action and interest accumulation
- No publication in the Singapore Government Gazette or Bankruptcy Register
- Full retention of existing employment, professional licenses, and company directorships
Total unsecured debt not exceeding S$150,000 with a regular source of income.
HDB flats, CPF savings, and essential personal assets remain protected by law.
Unrestricted overseas travel without requiring approval from the Official Assignee.
Or read the whole thing first
Plain English against the Insolvency, Restructuring and Dissolution Act 2018 — what each route costs, what it protects, and who qualifies.
Pre-Bankruptcy SolutionThe Debt Repayment Scheme (DRS)
A court-supervised alternative to bankruptcy for unsecured debts under S$150,000, letting you keep your job, your directorships and your freedom to travel.
Read the guide
Statutory InsolvencyNavigating Personal Bankruptcy
What changes when debts exceed S$150,000 — the Private Trustee in Bankruptcy regime, the restrictions imposed, and the legal protections you gain in return.
Read the guide
Critical InformationAsset & HDB Flat Protection
Singapore law shields HDB flats and CPF monies from creditors in most cases. Private property does not enjoy the same protection — here is exactly where the line falls.
Read the guide
Why work with us
Clear advice, no judgment, complete privacy
Independent, discreet insolvency counsel tailored strictly to Singapore legal and regulatory frameworks. We eliminate friction, shield your assets, and protect your privacy.
Every file is managed under strict PDPA compliance, with direct consultation from senior consultants. Zero court appearances required on your end.
We know this journey is hard, but it is not a failure. Our team listens with the heart, explains what the law actually allows, and walks it with you — without judgment, ever.
Guaranteed Lowest Rates
Secure the exact same optimal outcome without the premium price tag. We offer highly transparent fees and will happily match any verified quote.
Priority Service Available
Advance your hearing date (subject to availability) for faster relief. We handle the complexities, with zero court appearances required on your end.
Experienced Lead Consultant
Guided by a compassionate lead consultant who has successfully handled 200+ cases, backed by highly positive, genuine Google reviews from clients.
The three-step process
Three steps — and you are not alone in any of them
Most people who call us are more anxious about the process than about the debt. So here is exactly what happens, in order, from the moment you get in touch.
Step 01Reach out in confidence
Send the short form or message us on WhatsApp. No documents, no statements and no account numbers are needed to start — just a rough sense of what you owe and to whom.
Creditors and employers are never contacted.
Step 02Speak with a senior consultant
Within one business day a senior consultant reviews your position with you and maps the statutory routes actually open to you — the Debt Repayment Scheme, bankruptcy protection, or a private arrangement.
Free, without obligation, and without judgment.
Step 03We handle the paperwork
We prepare and file the documentation, liaise with the Official Assignee or your private trustee, and manage the hearing logistics end to end while you get on with your life.
Zero court appearances required on your end.
Verified Google reviews
What our clients say
“Good experience with Donny from WeCare Consultancy. He responded to my questions and explained the bankruptcy process without using too much legal jargon. The consultation gave me useful direction during a difficult period.”
Christine LeeGoogle review · Verified Client “I’m truly thankful to Donny from WeCare Consultancy for his kindness and support during a challenging time and process. He listened patiently, offered sincere and practical advice, and never made me feel judged. His guidance eased my burden.”
TAN SCGoogle review · Verified Client “Highly recommended! Donny was very helpful, attentive, and detail-oriented. He went the extra mile to make sure everything was taken care of and provided excellent service from start to finish. Thank you for everything!”
Chan XinningGoogle review · Verified Client
Talk to someone
Tell us as little or as much as you like
You do not need documents, statements or account numbers to start — just a rough sense of what you owe. Whatever you say here stays between us.
- We never contact your creditors or your employer.
- An enquiry leaves no credit bureau footprint.
- You will speak with a senior consultant, not a call centre.
- Free, and with no obligation to go any further.
Would rather not type at all? Message us on WhatsApp or call 9828 5219.
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Common questions
Frequently asked questions
Clear, authoritative answers to the insolvency and DRS questions our consultants are asked most often.
No. The Debt Repayment Scheme (DRS) is not an application you can make directly. The process begins with a bankruptcy application filed in the High Court (either by you or your creditor). If your total debt is under S$150,000, the court will adjourn the bankruptcy proceedings and refer you to the Official Assignee to assess your eligibility for the DRS.
Under the IRDA 2018 framework, first-time bankrupts can generally be discharged in 3 to 7 years, provided they fully cooperate with their PTIB/OA and meet their Target Contribution (TC) payments. The exact timeline depends on whether the target contribution is paid in full.
Bankruptcy is a matter of public record, accessible via the Ministry of Law's insolvency search portal for a small fee. However, the OA/PTIB does not actively notify your employer unless your profession specifically requires it (e.g. banking, law, real estate). For the DRS, the record is also searchable, but it carries far less stigma and does not disqualify you from most employment.
Our initial consultation and case evaluation is absolutely free and completely confidential. If you choose to engage us to strategise your DRS eligibility, assist with paperwork, or liaise with Private Trustees, we charge a transparent, flat fee agreed upon upfront. We do not take a percentage of your debts.
Generally no. Under the Housing and Development Act, an HDB flat cannot be seized and sold by the Official Assignee or a Private Trustee to repay unsecured creditors, provided at least one owner is a Singapore Citizen. The important exceptions are arrears owed directly to HDB and Executive Condominiums, which follow different rules. We assess your specific ownership structure before anything is filed.
We respond to every enquiry within one business day, and the initial evaluation itself usually takes a single call. Where creditors are already pressing or a hearing date is looming, we offer a priority service that can bring your hearing forward subject to court availability. You will not need to appear in court yourself.
Confidential Next Steps
The earlier you seek guidance, the more legal protections remain available.
A single confidential consultation is often all it takes to evaluate whether the DRS, bankruptcy protection, or private restructuring is your most viable route. No judgment, no obligation.