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About Us

Credit Counselling Singapore (CCS) was established in 2004, from an idea mooted by the State Courts.

We are in the sector of lending a helping hand to the under- and lesser-served to restore their financial wellness and build financial capability, so that they can become financially more resilient.

On top of offering financial literacy talks and workshops, we plug gaps to provide financial counselling and financial coaching that are important but less available at low or no cost.

The individuals and families we serve include:

1. Debt-distressed individuals and business owners who wish to honour their debt obligations.

2. Bankrupts and their families who wish to receive support to improve their psycho-social wellbeing, employability, and financial literacy.

3. Low-income families / financial assistance recipients to build financial capabilities by teaching them financial literacy coupled with financial coaching.

4. Young seniors from the heartland who wish to get better prepared financially for their retirement.

5. Members of the public who wishes to learn about the fundamentals of personal finance.

Our Programmes


* Debt Management talk help distressed borrowers, individual & business owner, to understand their options & next course of actions to prevent the problem from becoming a threat that causes harm to oneself & one's family.

* Various personal financial topics that promote financial awareness & well-being.

Financial Counselling

* Budget Counselling enhances cashflow management - it supports us in achieving our personal/family's financial goals & prevent us from falling into a debt pit.

* Credit Counselling helps the distressed debtor to understand his financial position & identify the appropriate solution. Where applicable, CCS helps draw up the Debt Management Programme that enables the borrower to feed his family & make feasible repayment to discharge off his debt obligations.


* Cent'sible Retirement Programme - support the middle stratum HDB dwellers who are in their 50s to early 60s, enable these young seniors to become more financially self-reliant in retirement.

* Bankruptcy Rehabilitation Programme - provides support to the bankrupts & their families to cope with the bankruptcy recovery journey. The support covers financial counselling/ literacy, employment, & emotional/relationship stress management.

Organisations who are seeking for Corporate Social Responsibility programme to engage in, and/or provide Employee Assistance Programme & would like to expand its menu of programmes to their staff are welcome to contact CCS at [email protected]
  • Community
  • Education
  • Families
  • Social Service

Judy Chee

Credit Counselling Singapore

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