Do open, read and reply to mail from the banks.
Answer their calls.
Continue to pay whatever you can, however little the amount.
Discuss your repayment problems with your spouse, a relative or a friend - two heads are always better than one.
Take up an extra job.
Cut down on expenses.
Consider selling your assets, such as your car, or moving to a smaller home.
Don't use credit facilities any more.
Don't ask banks to waive interest charges. Offer instead to pay a lump sum and get a discount on interest instead.
Don't forget that banks have the upper hand.
Visit www.ccs.org.sg for more information