Donny Ong
Lead Consultant
Donny handles personal insolvency: bankruptcy applications and the Debt Repayment Scheme. Clients most often mention his patience, and that he explains the process without legal jargon.
Singapore · Personal Insolvency Specialists
Guiding You Through
Personal Insolvency in Singapore
Compassionate, expert guidance through personal bankruptcy and debt management — so you can face this with clarity, not fear.
500+
Satisfied Clients
S$355M+
Assisted Debts
100%
Confidentiality
Fixed
Transparent Fees
4
Core Pillars
Get to Know Us
Hear From Our Team
A short introduction to who we are and how we help you through financial and legal difficulty in Singapore.
Who We Are
Guiding You Through Financial & Legal Challenges with Compassion
At WeCare Consultancy, our mission is to provide clear, practical, and deeply empathetic support during life’s most difficult personal and corporate challenges. Backed by professional and compassionate consultants alongside experienced legal advisers, we recognize that navigating insolvency, high-stakes disputes, or the loss of a loved one requires more than technical precision—it demands a human touch.
Empathetic Approach
We operate under the framework of Therapeutic Justice. We handle every case with absolute confidentiality, patience, and understanding, recognizing the human element behind every financial or legal failure. No judgment, only structured support.
Clear & Honest Communication
Legal frameworks like the IRDA or Intestate Succession Act are deeply intimidating. We promise to translate complex legal and financial jargon into plain language, ensuring you always understand your statutory rights and immediate next steps.
Efficient Execution
By categorizing and streamlining specialized services, we navigate bureaucratic and judicial processes swiftly. We resolve matters as rapidly and cost-effectively as possible to minimize your ongoing emotional and financial strain.
The WeCare Team
Expertise Powered by Empathy
Meet the dedicated professionals committed to protecting your interests, translating complex legalese, and guiding you safely toward a fresh start.
Jin Sheng
Legal Adviser
Jin Sheng covers court documentation — affidavits and statutory declarations — and disputes that can be settled before they reach a courtroom.
Dean Cheong
Business Adviser
Dean works with business owners: company liquidation, and restructuring under the Simplified Insolvency Programme where a business can still be saved.
Jason Ang
Community Director
Jason is the compassionate heartbeat of our Therapeutic Justice framework. He ensures every client feels heard, respected, and supported. Championing our financial literacy and post-recovery programs, Jason fosters a lasting community of resilience, education, and genuine empowerment.
Our Expertise
Comprehensive Legal & Financial Solutions
Thirteen services across five divisions, covering personal and corporate insolvency, estate matters, court documentation and mediation.
Not sure which of these you need? Start from where you actually are.
I can’t keep up with my repaymentsA creditor is threatening meSomeone has died and I have to sort it outMy company can’t pay what it owes
3 services
Personal Debt & Insolvency
Structured, dignified routes out of unmanageable personal debt — starting with an honest assessment of whether formal insolvency is the right answer at all.
- WeCare Fresh StartDebtor bankruptcy application support: assessment, your Statement of Affairs, and coordination of the court filing under the IRDA.
- WeCare Debt ManagementDebt Repayment Scheme support: eligibility assessment and proposal preparation for the Official Assignee-administered alternative to bankruptcy.
- WeCare Creditor RecoveryCreditor bankruptcy application support: statutory demands and court petitions for documented, unpaid debts.
2 services
Corporate Insolvency & Restructuring
Protecting business viability where it can be saved, and ensuring an orderly, compliant closure where it cannot.
- WeCare SME Rescue & ClosureRestructuring or orderly closure under Singapore's Simplified Insolvency Programme (SIP 2.0) for viable micro and small businesses.
- WeCare Corporate LiquidationCompany winding up: Members' Voluntary and Creditors' Voluntary Liquidation, ACRA filings, creditor meetings and final dissolution.
3 services
Family & Estate Administration
Compassionate support for life's most personal chapters — handled with the patience these matters deserve.
- WeCare Amicable TransitionsSimplified Track divorce administrative support under the Family Justice Courts rules, for uncontested separations.
- WeCare Probate AssistanceGrant of Probate application support for executors administering an estate where a valid will exists.
- WeCare Estate AdministrationLetters of Administration application support for families where there is no will.
4 services
Documentation & Dispute Resolution
Precise, carefully prepared paperwork and clear-headed guidance when a claim or a dispute has to be dealt with properly.
- WeCare Precision DraftingProfessional affidavit and statutory declaration drafting, formatted to court requirements.
- WeCare Official CommissioningProfessional witnessing and affidavit commissioning before an appointed Commissioner for Oaths.
- WeCare Claim AdvocacyInsurance claim support where a payout has been delayed, reduced or unfairly declined.
- WeCare Dispute ResolutionCivil claims guidance from the Small Claims Tribunals through to State Court proceedings.
1 service
Amicable Dispute Mediation
Resolving conflict without the financial and emotional cost of litigation — in a confidential setting where both sides keep control of the outcome.
- WeCare Amicable MediationAlternative dispute resolution support, including preparation for institutional mediation at the SMC or the Family Justice Courts.
Alternative Dispute Resolution
Your Strategic Preparatory Advocate for Mediation
Entering institutional mediation at the Singapore Mediation Centre (SMC) or Family Justice Courts (FJC) without exhaustive preparation frequently results in lopsided settlements. We act as your dedicated tactical advisor before you step into the room.
The Mediation Act 2017
Under Section 12 of the Act, mediated settlement agreements can be formally recorded as a court order. We ensure your agreements are ironclad, carrying the exact same legal weight as a High Court judgment.
Tactical Financial Forensics
Before institutional mediation, we conduct rigorous financial analysis, structure legal arguments, organize evidentiary documentation, and strictly define your acceptable parameters for settlement.
Why Mediate Over Litigate?Mediation
Cost EfficiencyFraction of Trial Costs
Timeline to ResolutionDays vs. Years
ConfidentialityAbsolute Privacy
Legal EnforceabilityBinding Court Order
Therapeutic JusticePreserves Relationships
Financial Peace of Mind
Accessible Care. Unbeatable Value.
We believe that financial and legal distress shouldn’t be compounded by exorbitant advisory fees. We disrupt traditional legal models to provide you with the highest quality support at rates you can actually afford.
Lowest Price Guaranteed
We offer highly competitive, transparent rates across all our service pillars. If you receive a comparable quote from another advisory firm in Singapore, we guarantee to match or beat it.
Flexible Instalment Plans
Managing cash flow is critical during financial recovery. We offer customizable, interest-free instalment plans, allowing you to pay over time without added financial stress or worry.
Fully Negotiable Fees
Every individual and corporate situation is unique. We are open to discussing and tailoring our service fees directly based on the specific complexity of your case and your current financial capacity.
Based on Genuine Google Reviews
What Our Clients Say
Real experiences from people who trusted WeCare Consultancy with their financial recovery journey.
C
★★★★★
Had a wonderful experience with Donny. A person with knowledge who helped me step by step with patience. Going through my tough time, his help made the process smooth. Will definitely recommend Donny to anyone who needs his help. Thanks a million bro.
T
★★★★★
Very good support and patient. Donny is very professional. He provides the appropriate guidance for people who seek help in a very desperate period of your life.
C
★★★★★
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.
L
★★★★★
Good service.
W
★★★★★
Senior Consultant Donny is very very kind, knowledgeable and sincere — he is like the light in the tunnel. He provides very genuine advice, thinking in your shoes. Someone who truly cares for you.
I
★★★★★
Donny Ong consistently delivers excellence. From our first interaction, it was clear he values professionalism, clear communication, and client satisfaction. He is highly knowledgeable, responsive, and goes the extra mile.
M
★★★★★
Donny was very patient and gave concrete and practical steps to take. He was not judgmental and listened carefully to my situation.
N
★★★★★
I'm deeply grateful to WeCare Consultancy for their guidance on navigating the complex application process. Their patient, clear, and professional support made a significant difference, reducing my stress and boosting my confidence.
I
★★★★★
As me and my wife were going through financial uncertainties, there was no clear guidance we could rely on. We spoke to a few companies but WeCare explained everything so clearly — it made such a difference.
D
★★★★★
Mr Donny is a great gentleman. He advised me on a lot of things regarding my case. Top service — thank you sir.
B
★★★★★
Solid service. Has a deep understanding of financial related matters.
Y
★★★★★
Spoken to Donny Ong. Very patient and provided professional advice.
C
★★★★★
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!
T
★★★★★
I'm truly thankful to Donny from WeCare Consultancy for his kindness and support during a challenging time. He listened patiently, offered sincere and practical advice, and never made me feel judged. His guidance eased my worries.
P
★★★★★
I came to know this agency through Guardian Advisory. The consultant engaged me positively and advised me on the process for my case. Very helpful, and the price is reasonable. Good to recommend.
M
★★★★★
Approached Donny for some travelling application queries — he guided and assisted me until it got approved. It was my first time applying and I was unsure what to do; I offered to pay a small fee but he did not take it. Much appreciated.
D
★★★★★
Highly recommended if you need a helping hand.
T
★★★★★
Very friendly and good consultation.
Don’t take our word for it
Three things you can check yourself, right now.
We are a registered Singapore company
WeCare Consultancy Pte. Ltd. — 101 Upper Cross Street #04-21, People’s Park Centre. Search the name on ACRA’s free directory; no account needed.
Look us up on ACRA(opens in a new tab)Your trustee is on a public register
A bankruptcy application needs a licensed Insolvency Practitioner as your Private Trustee. We arrange that — you check the name on your papers before you sign.
Open MinLaw’s register(opens in a new tab)Our reviews are on Google, not here
Unedited, with each reviewer’s name attached — including any we would rather you did not read.
Read them on Google(opens in a new tab)
Knowledge Centre
Articles & Guides
Plain-English guides on bankruptcy, debt management, and financial recovery in Singapore — written by our team.
Bankruptcy
DRS
'Consultants' luring debtors to borrow more to exploit government bankruptcy avoidance scheme
Read articleHow-to
How to file for bankruptcy for yourself (from 1 April 2022)
Read articleLegal
MinLaw to propose laws targeting debt consultancy firms exploiting debt repayment scheme
Read articleAsset Protection
Estate Protection Essentials: Safeguarding Your Assets Pre-Bankruptcy
Read articleGuide
Navigating Personal Bankruptcy: Your Comprehensive Guidebook
Read articleFAQs
Frequently Asked Questions
Honest answers to the most common questions about personal insolvency in Singapore.
Personal bankruptcy in Singapore is a legal status declared when an individual owes at least S$15,000 and is unable to repay. Once declared bankrupt, you are protected from creditor action but must comply with certain obligations set by the Official Assignee. Discharge typically occurs after 3 to 7 years.
The DRS is an alternative to bankruptcy for individuals who owe less than S$150,000 (excluding secured debts) and have a stable income. A repayment plan is structured over up to 5 years. It is generally less stigmatising than bankruptcy and allows you to maintain more control over your financial affairs.
Not necessarily. In many cases, HDB flats are protected, especially if they are the principal home of the bankrupt and their family. However, every case is unique. Our consultants will conduct a thorough review of your specific situation and advise on the best strategies for protecting your home and other essential assets.
After being declared bankrupt, the discharge process typically takes between 3 and 7 years, depending on your cooperation with the Official Assignee, compliance with contribution requirements, and overall conduct. A first-time bankrupt who has fulfilled all obligations may be eligible for discharge in as little as 3 years.
A Voluntary Arrangement (VA) is a formal, legally binding agreement between you and your creditors to repay your debts in a structured and manageable way — without being declared bankrupt. It allows you to retain control of your assets and avoid the long-term restrictions of bankruptcy.
Absolutely. All consultations and information shared with us are strictly confidential. We understand the sensitivity of financial matters and are committed to the highest standards of privacy and discretion, in accordance with the Personal Data Protection Act 2012 (PDPA).
We offer flexible, value-driven service packages starting from just $50, designed to ensure affordability without compromising quality. Your initial consultation is completely free with no obligation.
Get In Touch
Start Your Financial Recovery Journey
Do you have questions about personal insolvency or need guidance? Schedule a free consultation session with our Senior Consultant today. No judgement, no pressure.
Phone / WhatsApp
Address
101 Upper Cross Street #04-21
People’s Park Centre, Singapore 058357
People’s Park Centre, Singapore 058357
Important: WeCare Consultancy Pte. Ltd. is a consultancy and is not a law firm. Information on this page describes Singapore statutory processes in general terms and is not legal advice. Where a matter requires legal representation, we will say so and help you engage an appropriately qualified professional. Statutory references are current as at August 2026.