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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 964 Reviews
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Hasnah Abdullah
16th January 2026

At that time when we were feeling extremely helpless, Mr Mohamed Baiross was willing to help and has given his views on our issue. I am incredibly grateful to Mr. Mohamed Baiross and his team at IRB Law Firm, particularly Ms. Sharifah Nabilah, for their outstanding representation in our case. Her efficiency, dedication, and professionalism were evident throughout the process. Ms. Sharifah's confidence and assurance in court during cross-examination were impressive, and her ownership of the case led to a successful outcome. I highly recommend IRB Law Firm and Ms. Sharifah Nabilah for their exceptional legal services.

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Kevin Chan
5th December 2025

Mr Baiross, Crystal, and the team are very professional and friendly. Mr Baiross gives excellent advise and is prompt in his replies. Crystal is helpful and attentive when it came to executing the agreement. Overall the team is patient and will help clarify any questions and concerns you have.

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Prasanna George
14th November 2025

Our family in India went through the most terrifying phase of our lives when my husband was suddenly accused in Singapore and kept in custody for over three long months. We are in India and those days were filled with fear, sleepless nights, and constant worry about what awaited him. In that unbearable period, Sir, Mr. Baiross, came into our lives as a true blessing. He brought confidence, clarity, and hope at a time when we had none. Mr. Baiross sir handled the case with exceptional legal expertise, deep compassion, and unwavering commitment. He listened to every detail, understood our pain, and guided us at every step with patience and care. His dedication and the support of his entire team gave us the strength to move forward. Because of Mr. Baiross sir and his team, my husband returned home safely and our family finally regained peace after months of turmoil. We will remain forever grateful to him and his dedicated team for standing by us and fighting for justice during the darkest chapter of our lives.

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Edwin Yeoh
12th November 2025

Deed poll was done smoothly and fast. The staff helped me to settle all of the necessary documents needed for it to be executed. Mr Baiross was the witnessing lawyer during the signature of the deed poll. Everything was done quickly and I'm happy to get my name updated.

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