Publications from ODSW Social Insights: Letters by DSW (Vol 1) | Page 84

Helping Those with Debt

In the case of HDB housing loans, it is always possible to appeal and renegotiate a loan repayment plan.
Any of these choices will help the person on his way to being out of debt.
Whichever route the person chooses, he needs to be vigilant about not
returning to this financial state.

The money issue is often hidden
Money issues may be hidden in cases that we work with and debt management
is only one aspect of these issues. Although this is an area where social
workers at the foundational level may not all be sufficiently trained in, it is part
of wholistic assessment.
Crisis debt situations may lead to devastating effects on our clients at both
a personal and relational level. It is therefore important for us as social
workers to help them with a non-judgmental attitude and to have some basic
knowledge to explore how to get out of bad debt situations and how to help
our clients through the process.
6th March 2015

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