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Debt Recovery And Letter of Demand in Singapore

Get your money back the legal way

IRB Law offers an affordable, professional, and legal method of debt recovery in Singapore. We provide services and advice on debt recovery to individuals and business of all sizes.

The process of debt recovery is unique to each situation and our lawyers will be able to advise you on the appropriate steps as part of your initial consultation. Our goal throughout any engagement is to help you recover the debt. This ideally means we recover early, and without going to court.

If you’re looking to recover a debt from an individual or company, we can help.

4.8
Based on 876 Reviews
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James Yeoh
30th October 2025

My sincere thanks to Mr Baiross for genuinely listening to my issue and willing to provide honest feedback and clarification

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Anita Ibrahim
24th October 2025

I had a great experience having IRB Law to assist my sons in the inheritance matters . Mr Baiross and the teams assist me throughout the journey til everything goes smoothly . Mr Fadil too was very patient in addressing my concerns . He help me with all the doubts and explain well . Thank you 🙏

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Darren Brunton
2nd September 2025

Thank you for the excellent support and service. From my first meeting with Baiross to the continued support and advice by Crystal over a 12 month period and to achieve a excellent result I would recommend IRB Law and Crystal to anyone looking for a legal advisory and support 🙏🏼👍🙏🏼

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Jenny Sin
30th August 2025

I would like to sincerely thank Mr. Mohamed Baiross and his law firm. At a time when we were feeling extremely helpless and urgently needed assistance, he was willing to step in and offer help, even during the weekend. His entire team was also incredibly cooperative and supportive throughout the process, making everything much smoother and reassuring. This clearly shows that his firm is not just about business, but is genuinely committed to helping people in need. It gave us comfort and hope at a very critical moment, and we are truly grateful for their sincerity, dedication, and teamwork. Thanks you🙏🏻

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S Toh
26th August 2025

I would like to express my heartfelt gratitude to Mr Baiross, Mr Basheer and Team IRB who handled my case with a positive outcome that was beyond my expectations. Mr Baiross and Mr Basheer provided me with detailed sound legal analysis, offered the available options, recommended the actions I needed to take to strengthen my case and strategized the approach taken. They were always patient in explaining the legal jargons to me so that I can make informed decisions. IRB's charges were also highly competitive and they often graciously go the extra mile. IRB indeed lives up to be a Singapore's Best Law Firm, and I highly recommend them to anyone in need of legal advice.

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Jason Teong
21st April 2025

We hired IRB to draft an agreement and handle a commercial dispute. IRB proved to be efficient, fast and responsive, including replies over the weekend and public holidays. Comparatively, our legal opponent's lawyers were slow and often cut off work at 5 pm, despite the fact that the settlement negotiation proposed by their client had a short deadline - they also claimed to be Straits Times Singapore's Best Law Firms. We had used other lawyers and notaries in the past, including hiring a well-advertised law firm to handle a fraud case, but it turned out to be disappointing because they gave poor advice and were expensive. Overall, IRB proved to be outstanding in giving speedy, concise advice and was cost-effective. Thanking Baiross, Crystal and team!

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Anitha Mariappan
24th March 2025

Our company recently had the pleasure of working with Mr Baiross, Ms Crystal, Mr Quek and Mr Desmond from IRB for our civil case, and we cannot recommend IRB team highly enough. From the moment we walked into their office, we felt welcomed and understood. The team took the time to listen to our concerns and explain the legal process in a way that was easy to comprehend. Their expertise in civil law is evident; IRB guided us through every step with professionalism and care. IRB team was always quick to respond to our emails and calls, making us feel like a priority throughout the entire process. Their attention to detail is remarkable, and we appreciated how they prepared for each meeting with comprehensive notes and strategies. One of the aspects we were most impressed with was their negotiation skills. They were able to secure a favorable settlement that exceeded our expectations. It was clear that they had our best interests at heart, which made a stressful situation much more manageable. The fees were transparent, and there were no hidden costs, which we greatly appreciated. IRB provided a clear breakdown of their charges from the outset, and we felt that their rates were reasonable for the level of service provided. Overall, we are extremely satisfied with the outcome of our case and grateful to have had Mr. Baiross by our side. If you're looking for a knowledgeable, compassionate, and dedicated team of lawyers, look no further than IRB Law.

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Amylia Ghani
27th February 2025

Expressing my sincerest gratitude for the excellent legal support and professionalism provided by Sharifah Nabilah throughout our case. Nabilah joined our team later but at a crucial point. She was so committed to our case and got herself up to speed in no time. I enjoyed having her on my team and working with her, making my entire case ordeal that much more bearable. Her legal arguments and writing are cogent - she is definitely born to be a lawyer, as I always tell her. Such a blessing to have met her and to have had her fight our case for us. Also a special mention to Mr Baiross, without whom none of this would be possible. He is such a compassionate lawyer, and always reminded us that all of this is a test from God, and to be patient. It kept us grounded and gave us strength to go through this ordeal. Well, thanks to the awesome team at IRB, we won our case and got a rather favourable outcome. Very thankful and would recommend to anyone in need of expert legal counsel.

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Ai Ting Lai
21st February 2025

I had an excellent experience with IRB Law LLP, particularly with Mr. Baiross, Ms. Sharifah, and their team. From the very beginning, the communication and process were incredibly swift—setting up a meeting with the lawyers was seamless. They were highly responsive, addressing all my queries promptly and providing clear, practical advice on how to navigate my situation. Their guidance gave me confidence and clarity during a challenging time. I am truly thankful and grateful for their professionalism, expertise, and unwavering support. I highly recommend their services to anyone in need of legal assistance.

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Syaza Leo
29th January 2025

The lawyers Mr Baiross and Ms Simran have help me with a criminal charge case. My maximum sentence was 4 years and it drop to 3 months and it drop even further to just 10 days. My case was ongoing for 10 months plus and I'm glad that it is finally over now 😊👍

Why Us

Why Choose IRB Law

Proven Debt Recovery Experience

We have a strong track record helping clients recover outstanding debts quickly and effectively.>

Strategic, Solutions-Focused Approach

We draft clear, impactful Letters of Demand and provide practical strategies to resolve disputes efficiently.

Transparent and Competitive Fees

We offer upfront, reasonable pricing with no hidden charges, giving you clarity and confidence throughout the recovery process.

Our Process

Typical Debt Recovery Steps

The process of debt recovery is unique to each situation and our lawyers will be able to advise you on the appropriate steps as part of your initial consultation. Our goal throughout any engagement is utlimately to help you recover the debt. This ideally means we recover early, and without going to court. Below are the typical steps of escalation that occur in debt recovery cases.

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Step 1

Initial Consultation

The first step is to gain a full understanding of your current situation so we can advise on the appropriate next steps.

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Step 2

Perform Due Dilligence

At this stage we review the debtor in detail, primarily we want to understand if they have the financial capability to pay back any debt.

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Step 3

Issue Letter of Demand

This formal document is designed to warn the debtor of potential legal action if the debt is not paid back. It can be later used in court.

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Step 4

Await Response & Negotiation

We await a response from the debtor after their receipt of the letter of demand. We will support in negotiation between parties where required.

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Step 5

Filing Court Papers

If the letter of demand proves unsuccessful we can then file a claim with the appropriate court. The amount and type of claim will depend on the route taken.

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Step 6

Enforcement of Court Decision

Post any successful court decision, it’s possible the debtor may still not pay up. We will advise on the appropriate next steps to enforce the collection of the debt.

Our Lawyers

Our Dedicated Debt Recovery Team

Founding & Managing Partner, IRB Law LLP
Mohamed Baiross

Mohamed Baiross is the managing partner of IRB Law and one of the nation's leading lawyers in multiple practice areas, including civil, corporate, and commercial law. With over three decades of experience as a business lawyer, Mohamed Baiross has built a renowned corporate law firm in Singapore, providing expert legal services to global corporations and local businesses.

Partner
Kulvinder Kaur

Kulvinder Kaur is a prominent commercial and corporate lawyer and an expert in litigation matters. Kaur is well-known in all courts of Singapore for strong legal representation in the most complex cases across multiple practice areas.

General Questions

Frequently Asked Questions

Do you handle personal and corporate debt recovery?

Yes, we are experienced in handling all kinds of debt recovery, both corporate and personal matters.

What are the likely fees involved?

What is a letter of demand?

Why use a law firm for Singapore debt collection service