Your Debt Struggle Ends Here.
We help individuals overcome their debt problems in under five years without stressing over high-interest rates or late fees.
Watch The Story of Mdm Koh
A clinic nurse who was in debt of $70,000 due to her mum's medical bills.
How VIV Has Impacted The Community
Total Debt Assisted
Total Debt Reduced
Satisfied Clients
5-Star Google Reviews
How We Can Help You Win?
Consolidate & Restructure
Consolidate all types of unsecured loans and restructure them through Government programme.
Affordable Repayment
The repayment amount is based on your affordability, ensuring that you have enough for other obligations.
Eliminate Interest Charges
Secure immediate savings by eliminating all interest fees.
Avoid Legal Actions
Worried about legal actions? This programme will help to avoid them.
Debt-free in just 3-5 years
Be part of the success stories of those who achieved debt-freedom in less than 5 years!
Incredible Team Support
Receive incredible team support tailored to each individual to ensure a seamless process.
Types of Debt We Assist With
Credit Card
Commonly exacerbated by high interest rates and overspending, credit card debt can quickly become unmanageable, leading to financial distress.
Bank Loans (Personal)
Personal loan debt often becomes unmanageable due to unexpected financial hardships, such as job loss or medical expenses, making repayment difficult.
Licensed Money Lender
Debt from licensed moneylenders can spiral out of control due to high interest rates and aggressive collection practices for some, leaving individuals struggling to make payments.
Outstanding Bills
Overdue bills can accumulate when individuals face income disruptions or unexpected expenses, making it challenging to cover essential living costs and keep up with payments.
Repossessed Vehicle
Hire purchase debt may become unmanageable when individuals experience financial setbacks, such as reduced income or unexpected expenses, leading to missed payments and potential repossession.
Buy Now Pay Later
BNPL commitments can become unmanageable when individuals overspend or fail to budget effectively, resulting in accumulating debt and financial strain.
Co-operative Loans
Co-operative loan debt may become unmanageable due to changes in financial circumstances, such as job loss or reduced income, making it difficult to maintain regular loan payments.
Others Outstanding
Various unsecured loans can become unmanageable due to factors such as high interest rates, overspending, or unexpected financial emergencies, leading to difficulty in meeting repayment obligations.
Changing Lives, One Family at a Time
At VIV, we’re not just helping individuals but transforming lives.
We’ve guided over 1,000 clients through the Debt Repayment Scheme, helping them regain control of their finances and futures.
But debt doesn’t just affect the person carrying it; it touches everyone around them. For every individual struggling with debt, an entire family feels the strain.
With the average family being four strong, that’s over 4,000 people whose lives we’ve had the privilege to improve.
Imagine the relief of a father who can finally sleep at night, the peace of a mother who no longer worries about the next bill, and the joy of children who see hope return to their home.
This is the impact we’re proud to make.
Join the thousands who have found not just a way out of debt, but also a way forward to a brighter future.
Four Steps To Freedom!
Step 1: Fill Up Application Form (1 min)
Simply click on the "Book FREE Assessment" button to fill up your application form.
Step 2: FREE Detailed Assessment (45 mins)
Our associates will carefully evaluate your financial situation, providing you with personalized insights and tailored solutions to help you achieve your goals.
Step 3: Personalized Repayment
We will provide tailored solutions to help you achieve a monthly repayment plan that fits your financial situation.
Step 4: Kickstart Your Debt-free Journey!
Our team of associates and process experts will lead you through each step, ensuring a smooth and hassle-free experience!
Be Part of the Success Stories
FAQs
Yes, it is. This is a programme that was initiated by the Ministry of Law in 2009.
The purpose of this programme is to allow individuals repay their debts under one account, while avoiding bankruptcy.
As a Debt Restructuring Company, it is our best interest to ensure that individuals are aware of the available debt solution programme and understand how it can benefit their situation.
Hence, we do not provide loans as it will only create a new debt trap.
Please be wary of companies that promise huge discounts on total debts.
The repayment amount will only be determined after MinLaw assess the debtor's monthly income and expenses.
As each individual's income and expenses vary, it is no guarantee of getting a discount.
While our mission is to make debt solution services readily available to the community, it is our responsibility to ensure every individual understands how the programme can benefit them.
At the end of the day, it is your call to pick the best way out of debt.