Guides
Debt recovery guides for Singapore
Plain guides to getting paid in Singapore: letters of demand, the Small Claims Tribunals, statutory demands, time limits, and the rules debt collectors must follow. Each one is checked against the statute or official page it cites.
Getting paid
Steps to take yourself before a debt goes formal.
A customer will not pay my invoice: what do I do?
A customer will not pay your invoice? A step by step for Singapore SMEs, from the first reminder to a letter of demand, a collector or the tribunal.
ReadLetter of demand in Singapore: what it is and how to use it
What a letter of demand in Singapore must include, how long to give the debtor, and what to do if they ignore it. Speedy sends one at the start of every case.
ReadCan you charge interest on late payments in Singapore?
Can a Singapore business charge interest on unpaid invoices? Contract clauses, the penalty rule, the 5.33% court rate on default judgments, and GST.
ReadHow long do you have to recover a debt in Singapore?
How long you have to recover a debt in Singapore: 6 years for contracts, 12 years on a judgment, and how a signed acknowledgment or part payment restarts it.
ReadHow debt collection works in Singapore
How debt collection works in Singapore: the Debt Collection Act 2022, Police licensing, what collectors may do, time limits, and agency vs tribunal vs court.
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Tribunals, courts and insolvency
When the debtor still will not pay.
Small Claims Tribunals in Singapore: how to file a claim
How to file a Small Claims Tribunals claim in Singapore: what the SCT can hear, the $20,000 limit, the 2 year deadline, CJTS filing fees and the hearing.
ReadHow to enforce a judgment in Singapore when the debtor still won’t pay
You won a judgment or SCT order but the debtor still will not pay. How enforcement works in Singapore: examination, seizure and sale, attachment, costs.
ReadStatutory demands in Singapore: how they work and when to use one
How a statutory demand works in Singapore: the $15,000 thresholds, 3 weeks for a company, 21 days for an individual, setting aside, and what happens next.
ReadThe company that owes me money has closed down. What now?
A company that owes you money is being struck off, wound up or restructured in Singapore. How to check ACRA, object, file a proof of debt and what to expect.
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By situation
Rules that apply to particular kinds of debt.
Unpaid progress claims and the Security of Payment Act
Unpaid progress claim in Singapore? How the Security of Payment Act works: payment claims, response deadlines, adjudication at SMC and suspending work.
ReadRecovering rent arrears from a tenant in Singapore
Tenant owes rent in Singapore? Letters of demand, the writ of distress for up to 12 months of rent, Small Claims Tribunals for homes and court claims.
ReadA friend or family member owes you money. What now?
Lent money to a friend or relative who will not pay back? The evidence that counts, the letter of demand, which court hears loan claims and the 6 year limit.
ReadWriting off a bad debt in Singapore: income tax and GST
When a bad debt is tax deductible in Singapore, the six IRAS conditions for GST bad debt relief, the 12 month and 5 year limits, and the records to keep.
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If you are being chased
Your rights, and how to settle.
Received a letter or message from Speedy?
Contacted by Speedy Debt Collection about a debt? Message us on WhatsApp to confirm the amount, arrange an instalment plan, or record a dispute.
ReadDebt collector harassment in Singapore: what the law allows
What a debt collector may and may not do under the Debt Collection Act 2022, how to check a licence, how to report harassment and get a protection order.
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Reference
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