Debt consolidation Plan

[Carlingford]

What is DRS ??

DMP can travel. DRS also can (those facing bankruptcy but owe < $100k)

Bankrupt cannot

 

[Iwanttobehappy]

Call on mon dont care

Will call n try again .. Pray got good result

 

[melbourne10]

What is DRS ??

DMP - http://www.ccs.org.sg/services/page/debt-management-programme

DRS - https://www.mlaw.gov.sg/content/io/en/bankruptcy-and-debt-repayment-scheme/debt-repayment-scheme.html

 

[pororokia]

For DMP, are there any restrictions on overseas travel ? As I need to travel sometimes for work

i still travel while servicing the dmp, they dont restrict travel.

think for dmp, as long the dmp is approved and u pay on time.. they wont come and disturb u anymore.

just that no more loans and cc after that.

 

[pororokia]

can go read up on DRS.

think u need to declare bankrupt or something den they place u on that plan.

drs monthly even pay lower, but there's some risk involved.

 

[leong25]

Actually how you all pile up debt?
My existing debt also very heavy but I always keep track on exact repayment date.

How to pile up? Pass me your credit card, and u will know how I help you pile up. What a xxxx question

 

[OngHuatHuat]

What is the xxxx?

How to pile up? Pass me your credit card, and u will know how I help you pile up. What a xxxx question

 

[leong25]

What is the xxxx?

Either can mean "stup**d or f**k" , what a lame question to ask. How to pile up

 

[SBC]

Yeo is smart guy lei.

 

[johnsonlock]

wah bro u damn fierce.

ah long is one thing that i will never want to try to touch. cos also lucky got see real example of my friend having so much difficulty just to service the interest weekly, principal still remain.

just too risky as they are ruthless if you dont pay up on time. lucky also nv touch those legalized money lender as ccs wont be able to help with those in debts with them.

maybe like u say heng i also no gian those social escort, cant really afford also.

Good for you bro. By end of this year, you're free! After that, you can start to target your luxury watch already. But make sure to pay cash k

 

[Louis81]

12 times is base on ** report or based on statments? i thought they calculate debt amount based on statements and compare with ur NOA.

For yr outstanding is there any credit card with loan instalment not under citibank?
Just wondering because if citibank pay for example dbs the loan instalment this shld be early redemption and u could get back some cash.

 

[delceer]

Actually how you all pile up debt?
My existing debt also very heavy but I always keep track on exact repayment date.

Low income or high income but big spender. Output bigger than input. Everyone know about the payment due date, the issue is not everyone manage to pay full every month. Some only manage pay minimum sum and some always late to pay because of the cash flow issue.

Sent from Samsung Note 7 using GAGT

 

[delceer]

What is the xxxx?

F_u_c_k or s_h_i_t. The forum got censorhip.

Sent from Samsung Note 7 using GAGT

 

[delceer]

wah bro u damn fierce.

ah long is one thing that i will never want to try to touch. cos also lucky got see real example of my friend having so much difficulty just to service the interest weekly, principal still remain.

just too risky as they are ruthless if you dont pay up on time. lucky also nv touch those legalized money lender as ccs wont be able to help with those in debts with them.

maybe like u say heng i also no gian those social escort, cant really afford also.

You are wrong. Ah long in Singapore worry you don't repay them after they lend you the money. They are very nice to you. They can't do anything to your family like neighbouring country. You just press 999 and settle everything. Not even dare to hang pig head or paint your door.

Sent from Samsung Note 7 using GAGT

 

[pororokia]

Good for you bro. By end of this year, you're free! After that, you can start to target your luxury watch already. But make sure to pay cash k

haha, if im able to achieve that then i'll share the achievement here.

buying a rolex with pure cash!

anyway thanks bro, i hope u can walk out of the shiat hole also. only those here will know what we are going through.

i intend to clear off everything by july, hopefully i can do it then i will start a new, hopefully not to toucb back cc.

 

[pororokia]

You are wrong. Ah long in Singapore worry you don't repay them after they lend you the money. They are very nice to you. They can't do anything to your family like neighbouring country. You just press 999 and settle everything. Not even dare to hang pig head or paint your door.

Sent from Samsung Note 7 using GAGT

but im seeing different things leh. i still see new bto the walls being splash O$P$

they dont even have to hurt you physically, mentally u already cannot take it. if alone not so bad, if got family how?

 

[Louis81]

haha, if im able to achieve that then i'll share the achievement here.

buying a rolex with pure cash!

anyway thanks bro, i hope u can walk out of the shiat hole also. only those here will know what we are going through.

i intend to clear off everything by july, hopefully i can do it then i will start a new, hopefully not to toucb back cc.

If u can clear by july i think u wrong forum

 

[pororokia]

If u can clear by july i think u wrong forum

no lah, as of now i still in this shiat mah.

once haven't clear means still in this shiat hole.

 

[member8]

DCP

Maybank rejected my DCP application, no reason given. I am waiting for HSBC but the Rep never answers my calls. My Report rating is ZH FYI mates.

 

[johnsonlock]

If u can clear by july i think u wrong forum

He's been paying $1,300 every month since 2013 lah bro. Paid his dues already.
Since the rejection rate for DCP is so high. I think a good alternative is DMP. CCS is a non-profit organisation and they can help restructure your outstanding debts.
I already made appointment to see a counsellor next week.