Hello Mr. Tan,
I read your blog re: the subject matter above. And you mention cooperative society can be of assistance. What/who are the cooperative society? I don't understand that term, and would really appreciate it if you could clarify?
REPLY
I suggest that you contact Credit Counselling Singapore. They may be able to help you. http://www.ccs.org.sg/
To my knowledge, the coperative societies are not able to help someone who is already in debt. You should join a cooperative society and start saving with it. When you need a loan, they can provide it to you at lower cost, compared to a credit card.
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