Debt Management Program

• High levels of debt
• Multiple sources of debt
• High-interest rates
• Persistent debt collection efforts

Regain control of your life and your debts. Through  Debt Management Programme, our financial advisors will work with you to develop a personalized debt repayment plan in consultation with your financial service providers.

We provide tailored debt management programs to help restructure your debts, whether it's a credit card or personal loan, making it easier to reduce your interest rate from 18% to the lowest possible rate and become debt-free.

We will assist you with:

High Levels of Debt

1. Develop a debt repayment plan to ensure timely debt settlement.
2. Explore debt consolidation options to combine multiple debts into one that's easier to manage.
3. Trim unnecessary expenses to free up more funds for debt repayment.

Multiple Sources of Debt

1. Create a detailed debt inventory, including the principal, interest rates, and minimum payment requirements for each debt.
2. Determine which debts carry the highest interest rates or urgency, prioritizing them for repayment.

High-Interest Rates

1. Explore options to lower debt interest rates, such as debt consolidation, debt restructuring, or seeking low-interest-rate credit cards.
2. Consider the possibility of negotiating lower interest rates with creditors.

Persistent Debt Collection Efforts

1. Maintain communication with creditors and notify them in advance of any payment issues or difficulties.
2. Explore the opportunity to negotiate repayment plans with debt collection agencies or debt collectors to avoid excessive collection efforts.