Are you struggling with debt and financial troubles? Adullam Life Counselling Singapore is here to help you. This registered society provides practical counselling and support to help you escape debt. Facing debt troubles with licensed and unlicensed moneylenders? There is help.
Adullam Life Counselling Singapore has been helping people and their families who are troubled by debts through practical support and counselling. This non-profit organisation provides counselling and support for individuals, couples, and families during financial crises. The agency offers financial mediation and counselling to those who are heavily in debt as well as to their family members who suffer as a result of the debt.
If you or a loved one is struggling with debt, Adullam Life Counselling Singapore can help. They offer non-judgmental support and practical advice to help you overcome your financial troubles. Don’t let debt control your life. Contact Adullam Life Counselling Singapore today to start your journey towards financial freedom.
1-Minute Read: 3 Quick Facts from Adullam Life Counselling
Feeling financially stressed? Wondering how to achieve financial peace of mind in Singapore? Here are three key facts you’ll find helpful in “Adullam Life Counselling Singapore: Your Guide to Finding Financial Inner Peace”:
- It’s More Than Numbers: This guide goes beyond budgeting and spreadsheets. It delves into the psychology of money, helping you understand how your thoughts and anxieties can impact your financial well-being.
- Financial Freedom, Not Just Management: Adullam Life Counselling Singapore goes beyond managing your money. They focus on helping you transform your relationship with money altogether.
- Tools and Strategies for Success: The guide equips you with practical tools and strategies to confidently navigate your financial situation. You’ll learn how to cultivate a healthy money mindset and achieve the inner peace of financial freedom.
Are you curious to learn more about these tools and how Adullam Life Counselling Singapore can help you achieve financial peace of mind? Dive deeper into their guide and take control of your financial future!
About Adullam Life Counselling
Adullam Life Counselling is a non-profit society that provides support and practical help for people facing debt issues in Singapore. They are a Christian-based organisation that pledges to serve the community without any racial or religious bias.
Mission and Vision
Adullam Life Counselling’s mission is to provide support and practical help for those facing debt issues. They aim to help individuals and families overcome their financial struggles and achieve financial stability. They believe that everyone deserves a second chance and that with the right support, anyone can overcome their financial difficulties.
Their vision is to create a community where everyone has access to the support they need to overcome their debt issues. They want to create a society where people are not judged based on their financial status, but rather are supported and encouraged to achieve their financial goals.
History
Adullam Life Counselling was founded in 2013 and has been operating for over 11 years. The society was established to help individuals and families who were struggling with debt issues. Since then, they have helped hundreds of people overcome their financial struggles and achieve financial stability.
Adullam Life Counselling has become a trusted name in the community, and their services are highly sought after. They have a team of dedicated professionals who are passionate about helping others and making a difference in the community.
Overall, Adullam Life Counselling is a valuable resource for anyone facing debt issues in Singapore. They provide a safe and supportive environment where individuals and families can get the help they need to overcome their financial struggles.
Counselling Services Offered
Are you struggling with debt issues and need help? Adullam Life Counselling Singapore offers various counselling services to help you and your family overcome financial difficulties and achieve financial freedom.
Debt Counselling
Our experienced counsellors provide debt counselling services to help you understand your financial situation, create a budget plan, and negotiate with creditors. We offer practical solutions to help you manage your debt and avoid bankruptcy.
Family Support Programmes
We understand that financial difficulties can cause stress and strain on families. Our family support programmes are designed to provide emotional and practical support to families struggling with debt issues. We offer group counselling sessions and workshops to help families communicate better and build stronger relationships.
Individual Counselling Sessions
Our counselling sessions are tailored to your specific needs and circumstances. We provide a safe and confidential space to share your concerns and feelings. Our counsellors will work with you to identify your goals and develop a plan.
At Adullam Life Counselling Singapore, everyone deserves a second chance. Our counselling services are designed to help you overcome your financial difficulties and achieve a brighter future. Contact us today to find out how we can help you.
Financial Education
At Adullam Life Counselling Singapore, we offer a range of financial education resources to help you manage your money effectively and make informed decisions about your finances. We believe that with the proper knowledge and skills, you can take control of your financial future.
Money Management Workshops
Our interactive and engaging money management workshops equip you with practical budgeting, saving, and debt management strategies. You’ll learn to create a realistic budget, track expenses, and develop healthy financial habits.
These workshops also cover topics such as dealing with moneylenders and understanding the risks associated with loans.
Investment and Insurance Guidance
We guide investment options and insurance products to help you make sound financial decisions. You’ll gain insights into different investment opportunities and learn how to assess risk and potential returns.
Our experts can also assist you in understanding the importance of insurance and how to select the right policies to protect your financial well-being.
Dealing with Loan Sharks
If you are struggling with debt, you may be tempted to turn to loan sharks for help. However, this can lead to a cycle of debt that is difficult to break out of. Understanding the risks associated with borrowing from loan sharks and seeking help from reputable sources is essential.
This section will discuss how to identify loan sharks and where to go for legal support and protection.
Identifying Loan Sharks
Loan sharks are illegal lenders who often charge exorbitant interest rates and use violent tactics to collect payments. They may target vulnerable individuals who cannot obtain credit from licensed moneylenders or banks.
Here are some signs that you may be dealing with a loan shark:
- They do not have a license to lend money
- They offer loans without conducting credit checks or verifying your income
- They do not provide you with a loan agreement or disclose the interest rate and fees
- They use threatening or violent behaviour to collect payments
- They ask for your ATM card and PIN
If you suspect that you are dealing with a loan shark, it is vital to seek help as soon as possible.
Legal Support and Protection
Several organisations in Singapore can provide legal support and protection if loan sharks are harassing you. These include:
- Adullam Life Counselling: They provide practical counselling and support to help you escape debt. They also help people deal with loanshark harassment.
- Credit Counselling Singapore: They provide debt counselling and repayment plans for those in debt.
- MSF ComCare: They provide financial assistance and social support for low-income families.
- Association of Muslim Professionals: They provide counselling and financial assistance for the Muslim community.
- Silver Lining Community Services: They provide debt counselling and support for those in debt.
If loan sharks harass you, you should report it to the police immediately. They can provide you with protection and investigate the loan sharks. Remember, borrowing from loan sharks is illegal and can have serious consequences. It is essential to seek help from reputable sources and to avoid falling into the trap of borrowing from loan sharks.
Tip: Break Free From The Debt Cycle!
Don’t wait until things get worse. Contact Adullam Life Counselling for a free consultation and get a personalized plan to manage your debt and achieve financial peace of mind.
Debt Repayment Strategies
If you are struggling with debt, Adullam Life Counselling Singapore can provide you with effective strategies to regain control of your financial situation. By creating a tailored repayment plan, you can take the first step towards becoming debt-free.
Creating a Repayment Plan
When faced with overwhelming debt, it’s essential to devise a structured repayment plan. This plan should outline your outstanding debts, their interest rates, and a realistic timeline for repayment. Adullam Life Counselling can assist you in creating a budget that allocates funds towards debt repayment while covering essential expenses.
Negotiating with Creditors
Negotiating with creditors can help alleviate the burden of debt. Adullam Life Counselling can guide you through the negotiation process, helping you explore options such as reduced interest rates, extended payment terms, or settlement offers. By engaging with your creditors, you may find more manageable ways to repay your debts, ultimately leading to financial freedom.
Support Resources
Adullam Life Counselling Singapore provides practical counselling and support to help you get out of debt. If you’re struggling with debt troubles with licensed and unlicensed moneylenders, there is help available.
Community Outreach
Adullam Life Counselling Singapore is committed to reaching out to the community to provide support and education on debt management. They offer free talks and workshops on financial planning and debt management to schools, community centres, and other organisations. These events are designed to help people understand the importance of good financial management and how to avoid falling into debt.
Social Service Agency Partnerships
Adullam Life Counselling Singapore has partnerships with several social service agencies in Singapore. These partnerships allow them to provide a more comprehensive range of services to those in need. Some of the social service agencies they work with include AMP Singapore, Arise2Care, and Credit Counselling Singapore.
Through these partnerships, Adullam Life Counselling Singapore is able to offer more support to people who are struggling with debt. They can help you negotiate with creditors, develop a debt repayment plan, and provide advice on how to manage your finances more effectively.
If you’re struggling with debt, don’t hesitate to reach out to Adullam Life Counselling Singapore. They have the expertise and resources to help you get back on track and take control of your financial future.
Contact Information
Are you looking to get in touch with Adullam Life Counselling in Singapore? Here’s how you can reach them:
Getting in Touch
Adullam Life Counselling is located at 151 Chin Swee Road #08-04 Manhattan House, Singapore 169876. You can contact them by calling their hotline at 6659 7844 or sending an email to info@adullam.org.sg. Please note that counselling sessions are held every Tuesday and Thursday evening and are strictly on an appointment basis only.
If you need to attend a counselling session, the address is 315 Outram Road #15-02A Tan Boon Liat Building. You can also visit their website at adullam.org.sg to learn more about their services and to schedule an appointment.
Online Presence
In addition to their website, Adullam Life Counselling also has a presence on Facebook. You can follow them at facebook.com/AdullamLifeCounselling to stay up to date with their latest news and events.
Whether you need counselling services or just have a question, Adullam Life Counselling is here to help. Contact them today to learn more about how they can assist you.
Regulatory Compliance
As a licensed debt counselling agency in Singapore, Adullam Life Counselling is regulated by the Monetary Authority of Singapore (MAS) and must comply with the legal framework set by the Ministry of Law.
Monetary Authority of Singapore
MAS is the central bank of Singapore and the regulator of financial institutions in Singapore. MAS has set out regulatory requirements for licensed moneylenders, including Adullam Life Counselling, to ensure that they operate in a responsible and sustainable manner.
Adullam Life Counselling is required to comply with MAS’s regulations, which include guidelines on responsible lending practices, fair debt collection practices, and anti-money laundering and countering the financing of terrorism (AML/CFT) measures.
Legal Framework
Adullam Life Counselling is also subject to the legal framework set by the Ministry of Law. The Ministry of Law has established the Moneylenders Act and Rules, which set out the licensing requirements and regulatory framework for licensed moneylenders in Singapore.
Adullam Life Counselling is required to comply with the Moneylenders Act and Rules, which include requirements for licensed moneylenders to disclose all terms and conditions of a loan to borrowers, to use fair and ethical debt collection practices, and to provide borrowers with a copy of the loan contract.
Adullam Life Counselling takes regulatory compliance seriously and is committed to operating in accordance with the requirements set by MAS and the Ministry of Law. By doing so, Adullam Life Counselling is able to provide its clients with reliable and professional debt counselling services while ensuring that it operates in a responsible and sustainable manner.
Success Stories
Testimonials
Adullam Life Counselling Singapore has helped many people overcome their debt problems, and the organisation has received many positive testimonials from satisfied clients. One client was quoted as saying, “I was struggling to make ends meet and was constantly stressed about my finances. Adullam Life Counselling gave me practical help and support, and I am now debt-free and much happier.”
Another client stated, “Adullam Life Counselling helped me and my family during a difficult time. They provided us with practical advice and support, and we are now in a much better place financially. I would highly recommend their services to anyone struggling with debt.”
Case Studies
Adullam Life Counselling Singapore has also helped many individuals and families overcome depression and other mental health issues caused by debt problems. One case study involved a young couple who were struggling to make ends meet and were constantly arguing due to their financial situation. Adullam Life Counselling provided them with practical advice and support, and they were able to work together to overcome their debt problems. They are now much happier and their relationship has improved significantly.
Another case study involved a middle-aged man who was suffering from depression due to his debt problems. Adullam Life Counselling provided him with practical support and helped him to develop a budget plan. He is now debt-free and much happier, and he credits Adullam Life Counselling with saving his life.
Overall, Adullam Life Counselling Singapore has helped many people overcome their debt problems and improve their mental health. If you are struggling with debt, Adullam Life Counselling can provide you with the practical help and support you need to overcome your problems and improve your life.
Latest News and Updates
Blog
Adullam Life Counselling Singapore is excited to announce the launch of our new blog! Here you can find the latest information and updates about our services, as well as helpful tips and advice on how to manage your finances and overcome debt. Our blog is updated regularly, so be sure to check back often for new content.
In our latest blog post, we discuss the importance of seeking help when you are struggling with debt. We provide information on our debt counselling services and how we can help you create a plan to get out of debt and stay debt-free.
Community Events
At Adullam Life Counselling Singapore, we believe in giving back to our community. That’s why we regularly organise and participate in community events. These events are a great way to meet new people, learn new skills, and give back to those in need.
Our most recent community event was a charity walk to raise funds for a local children’s hospital. We were thrilled to see so many people come out and support this important cause. We also recently hosted a financial literacy workshop for young adults, where we provided information on budgeting, saving, and investing.
Stay updated on our latest community events by following us on social media and subscribing to our newsletter.
Updated Information
We want to make sure that you always have the most up-to-date information about our services and how we can help you. That’s why we regularly update our website with new information and resources.
Our website now includes a comprehensive list of frequently asked questions about our debt counselling services. We also recently updated our contact page to make it easier for you to get in touch with us.
If you have any questions or concerns, please don’t hesitate to reach out to us. We are always here to help you on your journey to financial freedom.
Understanding Loans
If you are considering taking out a loan, it is important to understand the different types of loans available to you. This will help you make an informed decision about which loan is right for you.
Secured vs Unsecured Loans
One of the first decisions you will need to make when taking out a loan is whether to choose a secured or unsecured loan. A secured loan is a loan that is backed by collateral, such as your home or car. This means that if you are unable to repay the loan, the lender can take possession of the collateral to recover their losses.
In contrast, an unsecured loan is not backed by collateral. This means that if you are unable to repay the loan, the lender cannot take possession of any of your assets. However, unsecured loans often have higher interest rates than secured loans, as the lender is taking on more risk.
Interest Rates Explained
Interest rates are an important factor to consider when taking out a loan. The interest rate is the amount of money the lender charges you for borrowing their money. This is usually expressed as a percentage of the loan amount.
The interest rate you are offered will depend on a number of factors, including your credit score, the amount you are borrowing, and the length of the loan term. It is important to compare interest rates from different lenders to ensure you are getting the best deal.
When comparing interest rates, it is also important to look at the Annual Percentage Rate (APR). The APR takes into account not just the interest rate, but also any other fees or charges associated with the loan. This can give you a more accurate picture of the total cost of the loan.
In summary, when taking out a loan, it is important to consider whether a secured or unsecured loan is right for you, and to compare interest rates and APRs from different lenders to ensure you are getting the best deal.
Preventing Financial Strain
Are you struggling with debt troubles? Do you find it challenging to make ends meet? Adullam Life Counselling Singapore provides practical counselling and support to help you get out of financial strain. Here are some tips to prevent financial strain:
Recognising Early Signs
The first step to preventing financial strain is recognising early signs. This includes keeping track of your income and expenses, creating a budget, and monitoring your credit score. If you notice that you are borrowing more than usual, or that you are struggling to pay your bills on time, it may be time to seek help.
Avoiding High-Risk Borrowing
One of the most significant contributors to financial strain is high-risk borrowing. This includes borrowing from unlicensed moneylenders or using credit cards to pay for everyday expenses. Adullam Life Counselling can help you understand the risks associated with high-risk borrowing and provide you with practical solutions to avoid it.
Here are some tips to avoid high-risk borrowing:
- Create a budget and stick to it
- Avoid impulse purchases
- Use cash instead of credit cards
- Set up automatic bill payments to avoid late fees
By following these tips, you can prevent financial strain and avoid high-risk borrowing. Adullam Life Counselling is here to help you every step of the way.
How to Use Our Services
Adullam Life Counselling is here to help you navigate financial difficulties and improve your mental well-being. Here’s how you can use our services.
Service Accessibility
Our services are accessible to all Singaporeans who need them. We provide practical counselling and support to help you get out of debt and improve your financial well-being. Our services are available to individuals and families facing debt troubles with licensed and unlicensed moneylenders. We also provide assistance to those facing other financial challenges.
Making an Appointment
To make an appointment, simply contact us through our website or give us a call. Our friendly staff will assist you in making an appointment with one of our experienced counsellors. We understand that seeking help can be difficult, but we assure you that our services are confidential and non-judgmental.
During your appointment, our counsellors will work with you to understand your situation and provide you with practical advice and support. We will help you develop a plan to manage your debt and improve your financial well-being. We will also provide you with emotional support and help you develop coping strategies to deal with stress and anxiety.
At Adullam Life Counselling, we are excited to offer our services to those in need. Contact us today to learn more about how we can help you improve your financial well-being and mental health.
Credit Counselling and Support
If you’re struggling with debt, Adullam Life Counselling Singapore is here to help. Their credit counselling and support services are designed to help you get back on your feet and take control of your finances.
Credit Counselling Singapore Collaboration
Adullam Life Counselling Singapore collaborates with Credit Counselling Singapore, a non-profit organisation that provides free credit counselling and debt management services. Together, they provide a comprehensive range of services to help individuals and families in financial crisis.
Their credit counselling services include budgeting, debt repayment planning, and financial education. They can also help you negotiate with your creditors and develop a debt management plan that works for you.
Building a Supportive Environment
At Adullam Life Counselling Singapore, they understand that financial problems can cause stress and anxiety. That’s why they provide a supportive environment where you can talk about your concerns and get the help you need.
Their services are not just for individuals in debt, but also for their family members who suffer as a result of the debt. They provide financial mediation and counselling to help families work through their financial problems and develop a plan for the future.
Overall, Adullam Life Counselling Singapore is committed to helping you achieve financial stability and peace of mind. Their credit counselling and support services are designed to help you take control of your finances and build a better future for yourself and your family.
Frequently Asked Questions
How can I find genuine reviews for Adullam Life Counselling?
You can find genuine reviews for Adullam Life Counselling on their website, social media pages, and Google reviews. You can also ask for references from their previous clients to get a better understanding of their services.
What services does Mr Wong offer at Adullam Life Counselling?
Mr Wong, the chairman of Adullam Life Counselling, offers debt counselling services to help individuals struggling with financial debt. He also helps people deal with loanshark harassment and conducts outreach programs in collaboration with social service agencies such as Arise2Care and Credit Counselling Singapore.
Where is Adullam Life Counselling located?
Adullam Life Counselling is located at Blk 261, Waterloo Street, #02-44, Waterloo Centre, Singapore 180261. You can contact them at +65 6336 1444 or email them at admin@adullam.org.sg.
What support is available for individuals struggling with financial debt?
Adullam Life Counselling offers debt counselling services to help individuals struggling with financial debt. They provide practical counselling and support to help you get out of debt. They also collaborate with social service agencies such as Arise2Care and Credit Counselling Singapore to conduct outreach programs.
Can you recommend any effective addiction counselling services in Singapore?
Adullam Life Counselling provides addiction counselling services to help individuals struggling with addiction. They offer practical counselling and support to help you overcome addiction. You can contact them at +65 6336 1444 or email them at admin@adullam.org.sg.
What are people saying about the credit counselling services in Singapore?
Credit Counselling Singapore (CCS) is a non-profit organisation that provides free credit counselling services to individuals and families facing financial difficulties. According to their website, they have helped more than 100,000 individuals and families since their inception in 2004. They have received positive client reviews for their professional and effective services.
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