Quote:
Originally Posted by old_yet_horny
15k sgd... 
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From debt collector, you need to pay a admin fee and they charge about 20% of the borrowed sum, but they may take their time and this may drag on for a long duration.
Another way is to approach a lawyer and let them advise you if it's still possible to pursue based on the whatsapp messages.
If lawyers say can then they will file with the court for a garnishee order and force the borrower to pay up or try to declare him bankrupt.