Mamat Suali

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Mamat Suali “Debt is not a life sentence. You deserve a second chance.”

Freeze your interest. Rebuild your finances today!

💼 VIV Associates

Getting a job is one challenge. Being treated fairly after securing one is another.With retrenchments affecting many wor...
02/11/2026

Getting a job is one challenge. Being treated fairly after securing one is another.

With retrenchments affecting many workers and the job market becoming increasingly challenging, getting back into the workforce isn’t always easy.

For some, finding a new job can take months. And when you finally secure one, the last thing you should have to worry about is whether you will be treated fairly.

This recent case reported by The Straits Times is a timely reminder that employees have rights too.

Regardless of how difficult the job market may be, being grateful for an employment opportunity should never mean having to compromise on fair treatment.

Know your rights. Understand your options. And never assume that you have no say when things go wrong.

Because having a job matters, but being treated with dignity and fairness matters just as much.

Singapore employment tribunal judgments clarify wrongful dismissal, retrenchment and probation rules ahead of workplace fairness law Read more at straitstimes.com.

Many of our essential and operational roles are currently filled by foreign workers. Where does that leave Singaporeans ...
30/10/2026

Many of our essential and operational roles are currently filled by foreign workers.

Where does that leave Singaporeans who are willing to take up these jobs?

What is the long-term solution, Singapore Ministry of Manpower, to ensure that our own citizens continue to have fair employment opportunities?

Singapore retrenchments edged up in Q3 2026 as labour market data showed higher layoffs, stronger employment growth and steady unemployment. Read more at straitstimes.com.

18/10/2026

We came for lunch, but somehow ended up in a WHO WANTS TO BE A MILLIONAIRE episode!

Funny questions, unexpected brain power… and mystery prizes up for grabs! 🎁

But the biggest plot twist? WE DIDN’T KNOW Muhammad Asyraf WAS A WALKING DICTIONARY! Bro came prepared for an exam we didn’t know we were taking!

Here’s a little snippets of what went down! 😆

21/07/2026

The first step is always the hardest.

5yrs ago, my clients made one of the hardest decisions of their lives.

And today, they are officially DEBT-FREE!

If you’re feeling overwhelmed by debt today, don’t lose hope. Your story doesn’t have to end where it is today.

Sometimes, the life you want begins with a conversation and the courage to take that first step.

📩 If you’re unsure what your options are, feel free to reach out.

Even if it’s just to understand where you stand, I’m always happy to have a conversation.



26/06/2026

Before taking on a financial commitment for someone else, always ask yourself…

“If this money never comes back, can I cope with the consequences?”

What are your thoughts on this story? Share them on the comments below.



18/06/2026

How does a $3,000 debt turn into more than $21,000!

The answer might shock you… because he never missed a payment.

If you’re struggling financially and don’t know where to start, you’re not alone.

Understanding the problem is always the first step towards solving it. 🤍



04/06/2026

Gratitude Thursday!

A beautiful way to begin the first Thursday of the month.

Today, we celebrate small wins that often go unseen. The consistent team effort behind every case assisted.

Thank you, team, for making difference every single day. 🤍



Congratulations to our Top 3 Performers for May! 👏While achievements are often measured by results, there is always a st...
02/06/2026

Congratulations to our Top 3 Performers for May! 👏

While achievements are often measured by results, there is always a story behind every milestone.

Behind every successful case are rescheduled appointments, clients who may not yet be ready to take the next step, difficult conversations, emotional moments, and the responsibility of managing expectations with care and professionalism.

There are countless hours spent listening, understanding individual circumstances, educating clients, and guiding them through important financial decisions.

As with many service-based professions, much of the real work happens behind the scenes. What the public often sees is the outcome, but not the dedication, expertise, patience, and commitment required throughout the journey.

In every profession that serves people, value is not defined solely by the end result, but by the care, knowledge, and effort invested in helping others move forward with confidence.

Today, we celebrate not just the numbers, but the resilience, professionalism, and heart behind them.

Congratulations once again to our Top 3 Performers. Your hard work continues to make a meaningful difference in the lives of many. 🤍



Over $8 million in total debt was assisted in May 2026!

A well-deserved recognition to our Top 3 Associates for their outstanding dedication and contribution this month.

Thank you for your commitment to making a difference in the lives of those we serve. 👏🏆

26/05/2026

Not my usual 1 min video, however something worth sharing…

“𝐀 𝟓-𝐟𝐢𝐠𝐮𝐫𝐞 𝐥𝐨𝐚𝐧 𝐭𝐡𝐚𝐭 𝐰𝐚𝐬 𝐧𝐞𝐯𝐞𝐫 𝐡𝐢𝐬 𝐭𝐨 𝐛𝐞𝐠𝐢𝐧 𝐰𝐢𝐭𝐡.”

He only wanted to help a childhood friend… Now, he’s left servicing a 5-figure loan alone.

What started with trust and good intentions slowly turned into stress, anxiety, and monthly repayments that never stopped. The friend who promised to pay? Nowhere to be found.

This is a reminder that no matter how close someone is to you, never take up a loan, become a guarantor, or use your name for someone else unless you are fully prepared to carry the responsibility alone if things go wrong.

Sometimes, protecting yourself isn’t selfish. It’s necessary.

Sharing this story in hopes that it may help someone avoid the same mistake one day. 🙏🏼

If topics like this speak to you, do follow along and subscribe to my YouTube journey. 🤍

➡️ https://www.youtube.com/



21/05/2026

Retrenchment is more than just losing a job. 😔

If you still have a stable job today, never take it for granted. 🫶🏼


Address

162 Bukit Merah Central
Singapore
150162

Opening Hours

Monday 10:00 - 20:30
Tuesday 10:00 - 20:30
Wednesday 10:00 - 20:30
Thursday 10:00 - 20:30
Friday 10:00 - 20:30

Telephone

+6592304751

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