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Singapore Debt Collection Guide

Filing fees, claim limits, demand letter requirements, court process, service rules, and enforcement options for collecting money in Singapore. Verify local court rules before filing.

Verified
Source checked: 2026-04-29
Official source
Court
Small Claims Tribunals (SCT)
Filing Fee
S$10-S$20 (~$7-$15 USD)
Claim Limit
S$20,000; or S$30,000 if both parties agree (approx $15,000 USD)
Timeline
2-4 weeks

Filing Instructions

  1. 1File a claim at the Small Claims Tribunals (State Courts building)
  2. 2Pay the filing fee
  3. 3SCT schedules a consultation (mediation)
  4. 4If no settlement, tribunal hearing is scheduled
  5. 5Tribunal Referee makes a binding order

Required Forms

  • - SCT Claim Form (e-filed via Community Justice and Tribunals System)

Service Rules

SCT handles service by registered post.

Legal Basis

Small Claims Tribunals Act 1984 (Cap 308)

Enforcement Options

  • - Writ of seizure and sale
  • - Garnishee order
  • - Examination of judgment debtor
  • - Bankruptcy proceedings (if over S$15,000)

Online Filing Portal

https://www.judiciary.gov.sg/services/small-claims-tribunals

Important Notes

Extremely fast and efficient. Lawyers not allowed without tribunal permission. Mediation is mandatory first step. One of the most accessible small claims systems in Asia.

Start with a demand letter

Document the claim before escalating to a court or tribunal.

Start Your Case