Cash-Strapped and Dead-Broke, Bankruptcy Looming: You Must Know These!

For more than two decades, Leong Sze Hian and a group of volunteers have quietly sat across tables from people in despair - taxi drivers, cleaners, small business owners, professionals, retirees, single parents. Many arrived ashamed, frightened, and convinced that they had already failed their families. What became clear over the years is that financial collapse is rarely caused by irresponsibility alone.
It is usually triggered by life shocks: illness, retrenchment, failed businesses, family breakdown, or caring for ageing parents. What destroys people is not only debt, but wrong advice given at the worst possible moment. This book exists because too many families were told to sell their homes, empty their CPF, or keep paying moneylenders forever - when the law provided better options.