Aisyah T. Azis - Debt Restructuring Associate

15/10/2023

Not cool, Flash Coffee.

That’s big money on the run. How about the cili padi, those who are barely paying the minimum sum every month? Having to deal with (effective) interest rates, late-fee payments, and letters of reminders that ain’t free.

If you’re looking for a repayment programme that freezes interest and have a max repayment period of 57 months, leave me a DM or WhatsApp me at 90072458.

FLASH Coffee’s Singapore business owes over S$14 million to more than 150 creditors, including employees who were not paid their salaries for up to two months. Read more at The Business Times.

23/09/2023

09/12/2022

Let's look and feel beautiful tomorrow, and be in the presence of a great community that is all about togetherness and support.

Many thanks to VIV Associates for organising such an event and our generous co-sponsors who are so excited to be a part of this initiative.

To the recipients tomorrow, yay!
Remember to come 'empty-handed'. That's all I'm going to say for now 😋

Events like this got my faith in humanity restored. 🥰

Don't you think so too?

Let's set the right intentions, and let's go!
𝙎𝙚𝙚 𝙮𝙤𝙪 𝙩𝙤𝙢𝙤𝙧𝙧𝙤𝙬 𝙖𝙩 𝙒𝙞𝙨𝙢𝙖 𝙂𝙚𝙮𝙡𝙖𝙣𝙜 𝙎𝙚𝙧𝙖𝙞 𝙛𝙤𝙧 𝙤𝙪𝙧 𝙇𝙚𝙖𝙙𝙚𝙧𝙨 𝙊𝙛 𝙏𝙤𝙢𝙤𝙧𝙧𝙤𝙬 𝘽𝙖𝙘𝙠-𝙏𝙤-𝙎𝙘𝙝𝙤𝙤𝙡 𝙚𝙫𝙚𝙣𝙩!

𝟑 𝐝𝐚𝐲𝐬 𝐜𝐨𝐮𝐧𝐭𝐝𝐨𝐰𝐧 🏆

VIV Associates is proud to present you our very first Leaders of Tomorrow Back-To-School 2022 project.

This initiative is part of VIV Associates social responsibility and we hope that we are able to set an example to many out there to pursue the dreams of giving back to other regardless how big or small it is..

The goal of this giveback is to help parents prepare their children for their upcoming school year. All expenses are borne by VIV Associates and it's co-sponsors.

Moving forward with the same interest at heart, VIV Associates and it's co-sponsors stand strong with

We are glad to have People's Association, Geylang Serai Community Club, Geylang Serai MAEC, .sg, MA Concept & Design Pte Ltd, Bone Setting SG, Bismi Info Tech & Trading Pte Ltd as part of our sponsors. We applaud them for their commitment to give back to the society by welcoming this initiative with an open arm.

The stage is set. The prizes and necessity bought. Let's all wait for the showtime.

To many more beautiful memories created. Bismillah.

08/12/2022

, a reality check this time.

If December could be an object, it would be a double-edged sword.
(𝘩𝘢𝘩𝘢𝘩𝘢𝘩𝘢 𝘯𝘰𝘵 𝘮𝘦 𝘰𝘣𝘫𝘦𝘤𝘵𝘪𝘧𝘺𝘪𝘯𝘨 𝘢 𝘮𝘰𝘯𝘵𝘩!)

This is a month of celebration and based on your own financial circumstances, you can spend however much you like during December.

But let's not forget, if you have children, you also need to set some time and money aside to shop for new school bags, new shoes, new sets of books, new uniforms, new everything.

I don't really know, as I'm kid𝘭𝘦𝘴𝘴, but I have kid pets, and they are also an expensive investment for my mental well-being. 🤪😘

"𝘈𝘪𝘴𝘺𝘢𝘩, 𝘺𝘰𝘶 𝘥𝘰𝘯'𝘵 𝘯𝘦𝘦𝘥 𝘯𝘦𝘸 𝘦𝘷𝘦𝘳𝘺𝘵𝘩𝘪𝘯𝘨. 𝘊𝘢𝘯 𝘣𝘶𝘺 𝘵𝘩𝘪𝘯𝘨𝘴 𝘰𝘯 𝘴𝘢𝘭𝘦, 𝘰𝘳 𝘩𝘢𝘯𝘥-𝘮𝘦-𝘥𝘰𝘸𝘯𝘴 𝘧𝘳𝘰𝘮 𝘧𝘢𝘮𝘪𝘭𝘺, 𝘧𝘳𝘪𝘦𝘯𝘥𝘴, 𝘢𝘯𝘥 𝘯𝘦𝘪𝘨𝘩𝘣𝘰𝘶𝘳𝘴. 𝘐𝘧 𝘤𝘢𝘯 𝘴𝘢𝘷𝘦, 𝘸𝘦 𝘵𝘳𝘺 𝘵𝘰 𝘴𝘢𝘷𝘦..."

Awesome! But everything is money, correct? And erm, to each his own (wallet & rice bowl)..?

It's December.

While celebrating, someone may be hiding or masking the constant worry about money because they are trying to service their outstanding loans that, undoubtedly, come with %interests% attached if they are unable to pay in full.

I am a Debt Restructuring Associate, so let me assist.
I can be a listening ear, but promise me that after that, you are going to listen to what I've got to share too.
Consultation is free anyway, and good things must share!

WhatsApp, or click on the link below to submit your details, and I'll keep in touch.
👉http://bit.ly/i-will-be-debt-free👈
📱WhatsApp: 90072458📱

2023, ripple effect, who knows?
I mean... You've seen this post and have read my words, so... who knows?

30/11/2022

𝐌𝐑. & 𝐌𝐑𝐒. 𝐊 (𝐘𝐎𝐔𝐍𝐆 𝐏𝐀𝐑𝐄𝐍𝐓𝐒) | 𝐏𝐚𝐫𝐭 𝟑/𝟑

As the author of your own life story, you have to trust that life has its own timing.

Timing...

I would also like to acknowledge the surprising number of views that this page has been getting despite my lack of updates. Thank you for checking up on me/checking me out, and feel free to stay and make friends with me. I'm back. 🤗

Okay Part 3.

I know most of you are struggling through the ordeal of dealing with your debts and creditors on your own, so may the true heart-warming story of 𝐌𝐑. & 𝐌𝐑𝐒. 𝐊 inspire you to be honest, transparent, and most importantly, to be supportive for your ride or die.

I'm going to keep this short and sweet, and give you a quick and cheeky latest update on 𝐌𝐑. & 𝐌𝐑𝐒. 𝐊's DRS application.
In Part 2/3, I mentioned that their monthly repayment to creditors was $3,000.

What if I told you that in a few months' time, once their DRS commences, they could potentially be paying only about 5% of that, for a maximum period of 57 months?

Yup, even if you're not trying to calculate 5% of $3,000, you know a sweet deal when you see one. 😎
Would you like to know how I could assist you to manage your debts?

WhatsApp, or click on the link below to submit your details, and I'll keep in touch.
👉👉👉 http://bit.ly/i-will-be-debt-free 👈👈👈
WhatsApp📱: 90072458

𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿, 𝘄𝗲 𝗮𝗿𝗲 𝗼𝗻 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗲𝗮𝗺.

VIV Associates

We are neither working for the banks nor the government, but we are one of the fastest-growing debt restructuring companies in Singapore and we are working for 𝙮𝙤𝙪.

10/09/2022

𝐌𝐑. & 𝐌𝐑𝐒. 𝐊 (𝐘𝐎𝐔𝐍𝐆 𝐏𝐀𝐑𝐄𝐍𝐓𝐒) | 𝐏𝐚𝐫𝐭 𝟐/𝟑

Grab a warm cuppa, and enjoy this true story.
☕☕☕

My post for today is inspired by 𝐌𝐑. & 𝐌𝐑𝐒. 𝐊, a dynamic duo, whom I had the pleasure of meeting a few weeks ago.

𝐌𝐑𝐒. 𝐊 found us on TikTok, and called our office number 6993 5206 on behalf of her husband.

The Almighty must have crossed our paths for a reason, because I was the Debt Restructuring Associate (DRA) assigned to her.

I perused the information provided by 𝐌𝐑𝐒. 𝐊, and I was 𝘴𝘩𝘰𝘰𝘬𝘦𝘵𝘩 by these main points:

"Monthly income: $2,000"
"Bank Loan: Still servicing"
"Licensed Moneylender: $3,000 per month"

I checked out her WhatsApp display picture, and it was a picture of 2 adorable young girls. "𝘔𝘶𝘴𝘵 𝘣𝘦 𝘩𝘦𝘳 𝘥𝘢𝘶𝘨𝘩𝘵𝘦𝘳𝘴," I thought.

We started to chat, and we briefly discussed about Debt Repayment Scheme (DRS) that has been advertised on our social media before setting an appointment.

That evening, she texted me again and said that 𝐌𝐑. 𝐊 has been reading online about DRS and the word 'bankruptcy' has caused him to be wary. She also kept apologizing on his behalf, because she knew that we would discuss it further during consultation.

I gave them the reassurance they needed, and to hang in there for a few more days till we meet. She texted me again to confirm if her husband is going to be declared bankrupt with total debt amount of $15,000.

No. The answer is no.

A few days later, it was appointment day.

It was 30 minutes before the scheduled appointment. A colleague of mine was heading out when he noticed a petite lady standing outside with her 2 kids, and she was carrying the younger one.

"𝘊𝘰𝘮𝘦 𝘰𝘯 𝘪𝘯, 𝘸𝘦'𝘭𝘭 𝘨𝘦𝘵 𝘺𝘰𝘶 𝘴𝘦𝘢𝘵𝘦𝘥 𝘧𝘪𝘳𝘴𝘵 𝘢𝘯𝘥 𝘵𝘩𝘦𝘯 𝘺𝘰𝘶𝘳 𝘩𝘶𝘴𝘣𝘢𝘯𝘥 𝘤𝘢𝘯 𝘫𝘰𝘪𝘯 𝘶𝘴 𝘢𝘧𝘵𝘦𝘳."

"𝘐𝘵'𝘴 𝘰𝘬𝘢𝘺, 𝘩𝘦'𝘴 𝘢𝘭𝘳𝘦𝘢𝘥𝘺 𝘸𝘢𝘭𝘬𝘪𝘯𝘨 𝘰𝘷𝘦𝘳, 𝘸𝘦 𝘸𝘪𝘭𝘭 𝘫𝘶𝘴𝘵 𝘸𝘢𝘪𝘵 𝘧𝘰𝘳 𝘩𝘪𝘮..."

But hey, it's the littlest things, isn't it? She would rather wait for her husband and enter the office together as a family.

During the appointment, I formally introduced myself to both 𝐌𝐑. & 𝐌𝐑𝐒. 𝐊, and their two beautiful daughters. Throughout the consultation, I reminded myself how important for this young family in front of me to understand the benefits and the true value of DRS.

While ensuring that their daughters were on their best behavior, they both paid close attention to everything I shared. I addressed 𝐌𝐑. 𝐊's concerns, and reassured him that DRS is a programme for someone to avoid bankruptcy. Key word: 𝗔𝘃𝗼𝗶𝗱 𝗯𝗮𝗻𝗸𝗿𝘂𝗽𝘁𝗰𝘆.

I also reminded him that he will not be alone in this – He has the support of 𝐌𝐑𝐒. 𝐊 who has been actively searching up "𝘋𝘦𝘣𝘵 𝘴𝘰𝘭𝘶𝘵𝘪𝘰𝘯" on Google and sending out inquiries on his behalf, and it was fate that brought them to the crème de la crème in the industry of debt restructuring, VIV Associates.

When the appointment was coming to an end, I told them to ask me anything as I have shared with them everything they needed to know. They were quiet at first, so I asked them for their thoughts.

"𝘋𝘙𝘚 𝘪𝘴 𝘢 𝘨𝘰𝘰𝘥 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵 𝘱𝘳𝘰𝘨𝘳𝘢𝘮𝘮𝘦, 𝘢𝘯𝘥 𝘸𝘩𝘢𝘵𝘦𝘷𝘦𝘳 𝘺𝘰𝘶 𝘫𝘶𝘴𝘵 𝘴𝘩𝘢𝘳𝘦𝘥 𝘸𝘪𝘵𝘩 𝘮𝘦 𝘪𝘴 𝘷𝘦𝘳𝘺 𝘨𝘰𝘰𝘥. 𝘕𝘰𝘸 𝘐 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘣𝘦𝘵𝘵𝘦𝘳, 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘸𝘩𝘢𝘵 𝘐 𝘳𝘦𝘢𝘥 𝘰𝘯𝘭𝘪𝘯𝘦 𝘸𝘢𝘴 𝘷𝘦𝘳𝘺 𝘮𝘪𝘴𝘭𝘦𝘢𝘥𝘪𝘯𝘨 𝘢𝘯𝘥 𝘤𝘰𝘯𝘧𝘶𝘴𝘪𝘯𝘨. 𝘐 𝘢𝘮 𝘪𝘯 𝘢 𝘥𝘦𝘣𝘵 𝘵𝘳𝘢𝘱, 𝘢𝘯𝘥 𝘐 𝘰𝘯𝘭𝘺 𝘳𝘦𝘢𝘭𝘪𝘻𝘦𝘥 𝘪𝘵 𝘸𝘩𝘦𝘯 𝘮𝘺 𝘮𝘰𝘯𝘵𝘩𝘭𝘺 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵 𝘪𝘴 𝘮𝘰𝘳𝘦 𝘵𝘩𝘢𝘯 𝘮𝘺 𝘯𝘦𝘵 𝘴𝘢𝘭𝘢𝘳𝘺. 𝘈𝘭𝘭 𝘵𝘩𝘦𝘴𝘦 𝘩𝘢𝘱𝘱𝘦𝘯𝘦𝘥 𝘰𝘯𝘭𝘺 𝘸𝘪𝘵𝘩𝘪𝘯 𝘵𝘩𝘪𝘴 𝘺𝘦𝘢𝘳 2022. 𝘐 𝘯𝘦𝘦𝘥 𝘵𝘰 𝘵𝘢𝘬𝘦 𝘢𝘤𝘵𝘪𝘰𝘯 𝘯𝘰𝘸. 𝘐 𝘢𝘮 𝘵𝘪𝘳𝘦𝘥 𝘰𝘧 𝘸𝘰𝘳𝘬𝘪𝘯𝘨 𝘩𝘢𝘳𝘥, 𝘢𝘯𝘥 𝘐 𝘧𝘦𝘦𝘭 𝘭𝘪𝘬𝘦 𝘐 𝘯𝘦𝘦𝘥 𝘵𝘰 𝘴𝘰𝘳𝘵 𝘮𝘺 𝘱𝘳𝘪𝘰𝘳𝘪𝘵𝘪𝘦𝘴 𝘯𝘰𝘸 – 𝘴𝘦𝘳𝘷𝘪𝘤𝘪𝘯𝘨 𝘮𝘺 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵-𝘣𝘦𝘢𝘳𝘪𝘯𝘨 𝘭𝘰𝘢𝘯𝘴 𝘸𝘪𝘵𝘩 𝘢𝘭𝘭 8 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘥 𝘮𝘰𝘯𝘦𝘺𝘭𝘦𝘯𝘥𝘦𝘳𝘴, 𝘰𝘳 𝘮𝘺 𝘵𝘸𝘰 𝘥𝘢𝘶𝘨𝘩𝘵𝘦𝘳𝘴 𝘸𝘩𝘰 𝘢𝘳𝘦 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘴𝘵𝘢𝘳𝘵 𝘴𝘤𝘩𝘰𝘰𝘭 𝘴𝘰𝘰𝘯. 𝘔𝘺 𝘸𝘪𝘧𝘦 𝘩𝘢𝘴 𝘣𝘦𝘦𝘯 𝘩𝘦𝘭𝘱𝘧𝘶𝘭 𝘢𝘯𝘥 𝘴𝘩𝘦 𝘪𝘴 𝘵𝘩𝘦 𝘰𝘯𝘦 𝘸𝘩𝘰 𝘩𝘢𝘴 𝘣𝘦𝘦𝘯 𝘴𝘰𝘶𝘳𝘤𝘪𝘯𝘨 𝘰𝘶𝘵 𝘧𝘰𝘳 𝘢𝘭𝘵𝘦𝘳𝘯𝘢𝘵𝘪𝘷𝘦𝘴 𝘵𝘰 𝘳𝘦𝘴𝘵𝘳𝘶𝘤𝘵𝘶𝘳𝘦 𝘮𝘺 𝘥𝘦𝘣𝘵𝘴. 𝘐 𝘸𝘢𝘴 𝘴𝘰 𝘴𝘬𝘦𝘱𝘵𝘪𝘤𝘢𝘭 𝘰𝘧 𝘋𝘙𝘚, 𝘣𝘶𝘵 𝘯𝘰𝘸 𝘐 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘵𝘩𝘦 𝘱𝘳𝘰𝘤𝘦𝘴𝘴 𝘢𝘯𝘥 𝘵𝘩𝘦 𝘣𝘳𝘦𝘢𝘬𝘥𝘰𝘸𝘯 𝘰𝘧 𝘧𝘦𝘦𝘴 𝘪𝘯𝘷𝘰𝘭𝘷𝘦𝘥."

Wow.

I turned to 𝐌𝐑𝐒. 𝐊, who was already smiling and nodding her head, in agreement to what 𝐌𝐑. 𝐊 said.

"𝘛𝘩𝘪𝘴 𝘪𝘴 𝘧𝘰𝘳 𝘵𝘩𝘦𝘮....", as she looked at her daughters.

"𝘠𝘰𝘶 𝘸𝘪𝘭𝘭 𝘩𝘦𝘢𝘳 𝘧𝘳𝘰𝘮 𝘮𝘦 𝘵𝘰𝘮𝘰𝘳𝘳𝘰𝘸, 𝘣𝘶𝘵 𝘱𝘭𝘦𝘢𝘴𝘦 𝘢𝘳𝘳𝘢𝘯𝘨𝘦 𝘸𝘪𝘵𝘩 𝘮𝘺 𝘸𝘪𝘧𝘦 𝘵𝘰 𝘨𝘦𝘵 𝘵𝘩𝘦 𝘥𝘰𝘤𝘶𝘮𝘦𝘯𝘵𝘴 𝘺𝘰𝘶 𝘯𝘦𝘦𝘥."

The next day, 𝐌𝐑. 𝐊 signed the contract to engage us officially, and his journey towards debt-free life begins. And all thanks to 𝐌𝐑𝐒. 𝐊, who is also going to be involved every step of the way.

***

𝐌𝐑. & 𝐌𝐑𝐒. 𝐊 were caught in a debt trap within less than a year.

They know that if they do not act now, they will likely find themselves in a deeper hole in years to come.

To the 𝐊's,

Your daughters are probably clueless about what's going on, but trust me, it's the littlest things that matter. Your actions will have a profound effect on their childhood, together with your presence and positive supportive energy around them.

I also appreciate the honesty between the both of you, and a special shoutout to 𝐌𝐑𝐒. 𝐊 who remained calm and know that at this moment, 𝐌𝐑. 𝐊 needs her more than anything.

& the reason why I want the world to know about them is because surprisingly, and sadly, this is not a common practice among the couples we see here in Singapore.

That's another story for another time.

Slide in my DM, or click on the link below and 𝘀𝘂𝗯𝗺𝗶𝘁 𝘆𝗼𝘂𝗿 𝗱𝗲𝘁𝗮𝗶𝗹𝘀. I will contact you and let's schedule an appointment at our office @

👉👉👉 http://bit.ly/i-will-be-debt-free 👈👈👈
WhatsApp📱: 90072458

𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿, 𝘄𝗲 𝗮𝗿𝗲 𝗼𝗻 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗲𝗮𝗺.

We are neither working for the banks nor the government, but we are one of the fastest-growing debt restructuring companies in Singapore and we are working for 𝙮𝙤𝙪.

07/09/2022

𝐌𝐑. & 𝐌𝐑𝐒. 𝐊 (𝐘𝐎𝐔𝐍𝐆 𝐏𝐀𝐑𝐄𝐍𝐓𝐒) | 𝐏𝐚𝐫𝐭 𝟏/𝟑

, this is my version of 'Awareness Raising' 😉

Our clients will be added into a Telegram Group Chat, and part of the application process involves official letters being sent to their homes, hence the need to confirm the mailing address.

Their replies chuckle me, and it makes me learn more about people and our community, and ultimately what money does to someone.

Don't get me wrong, they all have their valid reasons as to why they respond in a certain manner, and I am here just to remind you not to judge others, because things are not as simple as it seems sometimes.

How about we take things, one step at a time?

Is your total outstanding debt or loan amount above $15,000?
Whether or not your partner knows about it, that is secondary.
One step at a time, yes?

Come and have a free, non-obligatory consultation with me and I'll recommend a government-assisted programme that I think will benefit you a lot. And if you like me, you might want to engage me as your Debt Restructuring Associate 😉

Slide in my DM, or click on the link below and 𝘀𝘂𝗯𝗺𝗶𝘁 𝘆𝗼𝘂𝗿 𝗱𝗲𝘁𝗮𝗶𝗹𝘀. I will contact you and let's schedule an appointment at our office @

👉👉👉 http://bit.ly/i-will-be-debt-free 👈👈👈
WhatsApp📱: 90072458

𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿, 𝘄𝗲 𝗮𝗿𝗲 𝗼𝗻 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗲𝗮𝗺.

We are neither working for the banks nor the government, but we are one of the fastest-growing debt restructuring companies in Singapore and we are working for 𝙮𝙤𝙪.

30/08/2022

Hey couples, check out this post by VIV Associates ❤️

Another case study of our client beautifully illustrated here.

And so timely. I’ll be posting a 3-part soon, inspired by my own clients, Mr. & Mrs. K. 😉

See you soon.

Claim your free consultation today. Find out how to resolve your debts while still affording daily needs.