Dealing with credit card debt

Dear Mr. Tan,

I came across your blog and decided to ask for advise. I am married and have 4 children. I live in a HDB flat.

Recently i chalked up about $30,000 of credit cards debt. I decided to respond to an advertisement that offers to consoidate the debt with the banks. I believe that I can pay my debt, but I have to change my spending habits. They charge a fee. Is this a good solution? I did find out there is one local agency 'CCS' that deal with this situation. Can they help too?

REPLY
You can approach Credit Counselling Singapore.
They will be able to help you.
They give free advice.

Here is their website:
http://www.ccs.org.sg/