Voluntary Bankruptcy in Singapore / Enforcement of Court Orders and Judgments

Strategic, Supportive Guidance for Bankruptcy, Debt Relief & Judgment Enforcement in Singapore

 

If you’re facing overwhelming debt, creditor pressure, or struggling to recover a debt owed to you, our firm provides structured, strategic legal solutions tailored to your needs. Whether you’re an individual, business owner, or creditor, we help you navigate Singapore’s legal processes with clarity, confidence, and compassion.

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Led by experienced lawyer Mark Cheng, who has represented both debtors and creditors in bankruptcy, restructuring, and enforcement matters, we provide practical legal strategies grounded in real-world outcomes.

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Our Bankruptcy & Debt Advisory Services

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1. Personal Bankruptcy & Debt Relief

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We guide individuals through the personal insolvency process, including:

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• Voluntary bankruptcy petitions (starting from SGD 2,990)

• Statutory demands and bankruptcy applications

• Negotiating with creditors to avoid bankruptcy

• Debt Repayment Scheme (DRS) eligibility and submissions

• Navigating Official Assignee (OA) proceedings

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2. ​Debt Restructuring & Creditor Negotiations

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We develop and execute informal and formal restructuring plans:

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• Negotiating repayment plans with banks and suppliers

• Private workouts and settlement strategies

• Asset protection and risk mitigation

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3. Enforcement of Judgments & Tribunal Orders

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Winning a case is just the first step. Enforcing the judgment is often the real challenge. We assist individuals and businesses in enforcing legal rights after obtaining:

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• Small Claims Tribunal (SCT) money orders

• District or High Court judgments

• Employment Claims Tribunals (ECT) awards

• Foreign judgments registered in Singapore

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We act swiftly and strategically to help you recover what you’re owed through enforcement tools such as:

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• Enforcement orders for attachment of a debt (to recover money from third parties) — previously known as garnishee orders

• Enforcement orders for seizure and sale of property 

• Examination of judgment debtors

• Bankruptcy applications against judgment debtors (where viable)

• Committal proceedings for non-compliance (in exceptional cases)

 

Whether you are a creditor seeking to enforce a judgment, or a debtor seeking advice on your rights and options, we are here to guide you.​

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Why Clients Choose Us for Bankruptcy & Insolvency Matters

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• Balanced Perspective: We have advised both debtors and creditors, allowing us to anticipate strategies and pursue optimal resolutions for your side.

• Integrated Debt Solutions: From managing your debt to recovering what’s owed, we offer a complete approach.

• Clear, Practical Advice: We explain your options in plain language and guide you through every step.

• Responsive, Respectful Support: We understand the emotional and financial pressure involved. Every case is handled with discretion, empathy, and care.

Frequently Asked Questions (FAQs)

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1. What is bankruptcy in Singapore?
Bankruptcy is a legal process for individuals who owe at least $15,000 and are unable to pay their debts. It may be initiated by a creditor or by the debtor voluntarily.

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2. Can I avoid bankruptcy?
Yes. Many clients resolve their debts through negotiation, the Debt Repayment Scheme, or restructuring. We will explore all viable alternatives with you.

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3. What are the consequences of being declared bankrupt?

Restrictions include travel, employment, and credit limitations. We help clients mitigate these effects and work toward early discharge.

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4. How long does bankruptcy last in Singapore?
A first-time bankrupt may be eligible for discharge in as little as 3 to 7 years, depending on cooperation and repayment. We help clients stay compliant and work toward early discharge.

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5. What should I do if I received a statutory demand or bankruptcy notice?

Act fast. You may have limited time to respond. Early legal advice is key to protecting your rights and options.

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6. How can I enforce a Small Claims Tribunal order?
We assist in enforcing SCT orders and taking further legal action to recover the debt.

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Speak to Our Bankruptcy Lawyer Today

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If you’re facing debt problems, don’t wait for things to spiral. Contact us for a confidential, no-obligation consultation. We’re here to help you take control, understand your options, and find a path forward, no matter how challenging things feel today.