We provide end-to-end support for individuals considering bankruptcy or the Debt Repayment Scheme (DRS). Our services include evaluating your financial situation, exploring alternatives, obtaining consent from Private Trustees in Bankruptcy (PTIBs); preparing and filing all necessary court documents for voluntary applications. We guide you through court hearings and ensure compliance with post-bankruptcy obligations such as reporting and contributions. Whether your case is administered by a PTIB or the Official Assignee, we stay with you throughout the process to ensure clarity, reduce stress, and help you regain financial stability with confidence and informed decision-making.

Facing insolvency doesn’t have to mean losing everything. We provide tailored advice to help you protect essential assets such as your HDB flat, CPF savings, insurance policies, and personal belongings. We assess your situation holistically and guide you through legal boundaries and entitlements, ensuring you retain the security of a home and essential resources. This service is designed to give you clarity and peace of mind, so you can focus on rebuilding without unnecessary fear or confusion.

At WeCare, we walk you through every step of the Debt Repayment Scheme process, from assessing your eligibility and preparing your financial documents, to guiding you through the application and interview stages with the Official Assignee. Once accepted into the scheme, we continue to support you by helping structure a realistic and sustainable repayment plan that balances your living needs with your obligations.
 

We also liaise with relevant parties when needed, ensuring that the process remains clear, smooth, and as stress-free as possible. Most importantly, we help you regain financial control and protect your dignity, while avoiding the long-term restrictions that come with being declared bankrupt.

We offer one-on-one financial coaching to help you regain control and rebuild financial confidence. Through practical guidance, you’ll learn how to budget effectively, manage debt, and develop sustainable saving habits. Our tailored approach empowers you to make informed financial decisions, avoid future debt, and build a strong foundation for long-term financial security and peace of mind.

A Voluntary Arrangement is a formal, legally binding agreement between you and your creditors to repay your debts in a structured and manageable way. It’s an effective alternative to bankruptcy that allows you to retain control over your assets and avoid the social and financial stigma often associated with insolvency. 

Our team supports you throughout the process — from preparing the proposal and presenting it to your creditors, to negotiating repayment terms and guiding you through court approval procedures. With our help, you can settle your debts with dignity and work toward financial recovery on your own terms.

Support in setting realistic monthly contributions based on your income and expenses, help you understand asset vesting and surplus income obligations, and support you in meeting compliance requirements with the Official Assignee or PTIB. Navigating asset vesting, and preparing for discharge eligibility after 3 to 7 years. Our post-bankruptcy support is designed to help you regain financial stability and prepare for a smooth and timely discharge within the shortest eligible period.