6 Best Debt Recovery Lawyers in Singapore (2026)

What should you do if a friend refuses to pay up a personal loan extended by you through an IOU, or if a client fails to settle the outstanding amount for goods delivered or services provided by you?

When it comes to debt settlement, hiring a debt recovery lawyer might be your best option. A debt recovery lawyer would be able to assess your situation and determine the best course of action that you can take to recover the debt that you are owed.

To help you in your search, we have put together a list of the 6 best debt recovery lawyers in Singapore.

1. Mohamed Baiross
2. Radika Mariapan
3. Ronald JJ Wong
4. Nadia Moynihan
5. Amos Cai
6. Walter Silvester

1. Warm and Approachable: Mohamed Baiross

Law Firm	I.R.B. Law LLP
Address	60 Albert Street #06-07 to #06-12 OG Albert Complex Singapore 189969
Office Hours	9.30 am to 9.30 pm daily Note: Do call to make an appointment before going to the office
Years of Experience	18
Languages Spoken	Tamil, English, Malay
Number of Positive Reviews	471

Mohamed Baiross is the founder and managing partner of the renowned law firm, I.R.B Law. He is often praised by his clients for being down-to-earth and genuine. He is warm and approachable, always readily contactable on WhatsApp, and answers any questions patiently and clearly. Mr Baiross is well-versed in various areas of law, and is adept at handling debt recovery cases.

Client Review by Samson Paing Minn, 25 July 2023

“Great working with Mr. Mohamed Baiross from IRB law firm. My problem with bank for months has been resolved within 1 month after engaging with Mr. Mohamed Baiross. He is very honest and professional lawyer who knows the financial laws very well, and know how to win a case out of slim chances.”

Contact Mohamed Baiross for your debt recovery matter here.

2. Patient and Innovative: Radika Mariapan

Law Firm	Fidelis Law Corporation
Address	1 North Bridge Road, #12-07, High Street Centre, Singapore 179094
Office Hours	10 am to 6 pm, Mondays to Fridays
Years of Experience	16
Languages Spoken	Malay, English
Number of Positive Reviews	19

Radika Mariapan is the managing director of Fidelis Law Corporation and specialises in commercial litigation matters. She also has vast experience in debt recovery claims, ensuring that her clients are able to recover debts at an affordable legal cost.

Radika Mariapan is known for her exceptional work ethic. She is patient and understanding, and her clear advice and ability to think out of the box make her one of the most trustworthy debt recovery lawyers in the business. You can be assured that she will handle your matter efficiently and effectively.

Client Review by Nick Kritharas, 20 May 2024

“We are based overseas with international clients including Singaporean clients. We engaged Fidelis Law Corporation to represent us in a debt collection matter. We found Ms. Radika and Ms. Alles to be very professional and prompt in their communication. They were able to bring the matter to a satisfactory conclusion and recouped our outstanding balance in full. I would highly recommend Fidelis Law to others and will be using them again for all of our Singapore related legal matters.”

Contact Radika Mariapan for your debt recovery matter here.

3. Dependable and Nimble: Ronald JJ Wong

Law Firm	Covenant Chambers LLC
Address	8 Eu Tong Sen Street, #12-96, Clarke Quay Central (Office 1), Singapore 059818
Office Hours	9 am to 6 pm, Mondays to Fridays
Years of Experience	13
Languages Spoken	English, Mandarin
Number of Positive Reviews	64

As a director of Covenant Chambers LLC, which is recognised as a Recommended Firm in Benchmark Litigation in the Private Client area, Ronald JJ Wong is knowledgeable and skilled in commercial litigation and arbitration.

Ronald was lauded as one of Singapore’s Top 100 lawyers by Asia Business Law Journal in 2018 and 2019, and has earned the trust of his clients by working tenaciously to resolve their cases. His clients commend him for his efficiency, promptness and sound legal advice, which demonstrate his deep understanding of legal issues.

Client Review by R. Santosh, 3 June 2026

“Covenant Chambers (Ronald Wong and team) provided excellent support on a cross-border commercial recovery matter. The advice was practical and strategic, the drafting was sharp, and the communication was consistently prompt and clear. What stood out was the team’s ability to balance firmness with commercial realism and guide us to closure without unnecessary escalation. Overall, very professional, dependable, and good value for the level of support provided.”

Contact Ronald JJ Wong for your debt recovery matter here.

4. Detailed and Intelligent: Nadia Moynihan

Law Firm	August Law Corporation
Address	12 Eu Tong Sen Street, #04-166, The Central, Singapore 059819
Office Hours	9 am to 5:45 pm, Mondays to Fridays
Years of Experience	15
Languages Spoken	English, Malay
Number of Positive Reviews	37

Nadia Moynihan is a director of August Law Corporation. Her practice represents a broad cross-section of the kind of legal services that most businesses and individuals typically need, ranging from civil practice to criminal disputes and matrimonial claims. She also has extensive experience in debt collection matters.      

Nadia Moynihan also shares her knowledge through blog posts on the types of cases she handles. Read here for an article that Nadia had previously written on recovering unpaid invoices.

Client Review by Amelia, 15 December 2025

“Nadia was a great help to me in my legal dispute. She was responsive, assuring and provided me with sound and comprehensive counsel. Most importantly, she practices law with ethics and integrity. I highly recommend Nadia’s service as she possesses competence and good character.”

Contact Nadia Moynihan for your debt recovery matter here.

5. Trustworthy and Competent: Amos Cai

Law Firm	Yuen Law LLC
Address	50 South Bridge Road, #03-00, Singapore 058668
Office Hours	9 am to 6 pm, Mondays to Fridays
Years of Experience	14
Languages Spoken	English, Mandarin
Number of Positive Reviews	27

Amos Cai is a director and the head of disputes practice at Yuen Law LLC, a litigation lawyer well-versed in a wide range of commercial disputes, including debt recovery. Whenever Amos handles a case, he is always motivated to seek the most pragmatic modes of resolution for his clients.

Yuen Law LLC is recognised as a Recommended Firm for Dispute Resolution in the Benchmark Litigation Asia-Pacific guide, and Amos is himself ranked as a Future Star for Commercial and Transactions Disputes. His commitment to excellence in his work and quick thinking have led to many successful outcomes for his clients, winning their trust and confidence.

Client Review by o, 8 November 2024

“I want to commend and recommend Amos Cai at Yuen Law for exceptional ethics. Amos is willing to engage and discuss your case without starting the meter until he understood what you wanted and if your legal case had merit. He genuinely aims to help, and this is crucial. As a vulnerable client, I’m grateful and I feel safe.”

Contact Amos Cai for your debt recovery matter here.

6. Responsive and Committed: Walter Silvester

Law Firm	Silvester Legal LLC
Address	1 North Bridge Road High Street Centre #14-10 (179094)
Office Hours	9:30 am to 7:30 pm daily
Years of Experience	19
Languages Spoken	Bahasa Indonesia, English, Malay
Number of Positive Reviews	78

Walter Silvester practised in top local firms before founding Silvester Legal LLC, which was named in Asian Legal Business’s “Firms to Watch (Singapore) 2024” feature.

Walter is competent in all areas of drafting matters and disputes work, including debt recovery. He ensures prompt and clear client communication in all stages of a case, and strives to offer quality services that he has been accustomed to providing in bigger firms at an affordable rate.

Client Review by Sonia, 24 February 2025

“Silvester Legal is a great law firm. They know what they are doing and achieved the result that they promised. Excellent lawyers.”

Contact Walter Silvester for your debt recovery matter here.

Frequently Asked Questions

Why should I hire a debt recovery lawyer?

When it comes to debt recovery, you might be deciding between hiring a debt collector or a debt recovery lawyer. Simply put, in the event that your debtors refuse to pay up, debt collectors do not have the legal expertise to assist you if you wish to recover your debts through the court process as compared to an experienced debt lawyer. Moreover, we recommend that you hire a debt recovery lawyer for the following reasons:

• Giving a practical assessment of your case: A practical assessment of your case is extremely important because it will help you in determining your options and planning your next move to ensure you get the best possible outcome for your claim. A lawyer would also be able to help you determine the most cost-effective way for you to pursue your claim, which can help you save costs and time as well.
• Transparency of fees: Based on the complexity of your case, a lawyer would be upfront about the fees that they would charge for handling your matter and provide a breakdown of the fees. This way, you can be assured that you are not going to be overcharged or incur any hidden costs for your matter. On the other hand, debt collectors have different fee structures (e.g. percentage or commission-basis) and may not be as clear about what you are expected to pay them. You may therefore end up incurring even higher costs in the process, even if your claim is straightforward or less complex.
• Potential risks of hiring a debt collector: You should also be aware that although engaging a debt collector is not against the law in Singapore, debt collectors might engage in tactics that are against the law in order to recover your debt.

For more information, you may refer to our article on the reasons for choosing a debt recovery lawyer over a debt collector.

What is the debt recovery process in Singapore?

A debt recovery lawyer will first assess whether your case involves a clear-cut debt, or whether the sum is actually contested (if the latter is true, the lawyer can continue to work on your case as a civil claim). 

Assuming that the debt is a clear-cut one, your lawyer will assist with profiling your debtor to determine whether your debtor has sufficient assets to repay the debt. If the debtor faces genuine financial difficulties, it may not be worthwhile to pursue legal action. 

In such a situation, your lawyer may help you negotiate a repayment plan with your debtor. Under such a plan, you and your debtor may agree to a scheduled payment plan where the debtor will repay the debt in monthly installments. If your debtor does not agree to such a plan, your lawyer may then commence bankruptcy proceedings against the debtor. 

On the other hand, if your lawyer believes that your debtor has sufficient resources to repay the debt but refuses to do so, they may then send a letter of demand (LOD) to your debtor demanding payment. Such an LOD may also include the threat of legal action in the event of non-payment. 

If your debtor still fails to pay up, your lawyer can assist in commencing legal proceedings against your debtor to obtain a court judgement for the debt, which validates your debt in the eye of the law. If your debtor still refuses to pay up after the court judgement is issued, your lawyer may then commence an enforcement proceeding to request the court to issue an Order for Seizure and Sale of Property to your debtor. Your debt will then be recovered from the sale of your debtor’s property (e.g. their house, or a motor vehicle).

You may read here for a more detailed discussion of the debt recovery process.    

How much does a letter of demand for debt recovery cost in Singapore?

Most lawyers or law firms would charge a fixed fee for drafting a letter of demand (LOD). This fee is typically in the range of between $100 and $450, although the exact fee would also depend on the complexity of the matter.

You should consult a lawyer for further advice and a more detailed quote for your case.

How do I choose the best debt recovery lawyer for my matter?

In general, lawyers with more experience and success in debt recovery matters will be better placed to assess your case and help you devise the best strategy for recovering the debt that you are owed.

However, you should also consider your budget and your language preference when you make your decision, as different lawyers have different fee ranges as well as proficiencies in various languages or dialects that you may be more comfortable with.

You may also wish to speak with several lawyers to get their initial assessment of your case and obtain a fee quote for your matter. You can then make a decision to go with the lawyer that you feel is best suited for your case.

What is the cost of hiring a debt recovery lawyer in Singapore?

Generally, debt recovery lawyers would either charge a fixed fee or hourly rate depending on the complexity of the matter and the extent of work that is required. Fixed fees would typically apply for standard matters like drafting an LOD (explained above) and would be in the range of a few hundred dollars.

For debt recovery matters that are disputed (i.e. you might need to commence civil proceedings in court to recover the debt), you can expect to pay a higher fee depending on how long the proceedings might take, as well as the lawyer’s seniority and level of expertise.

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If you are looking to recover your debts, hiring a debt recovery lawyer is your best option. An experienced lawyer can help you assess your case and determine the best course of action for your case. Moreover, a lawyer can assist you with any legal processes if you decide that court action is required to recover your debts.

Head over to our Find a Lawyer Service here and get started with your search for a professional debt recovery lawyer.