You must make monthly instalment payments as part of your Debt Repayment Scheme (DRS). These payments help you pay back your debts over time.

Payment method: Online only through the MinLaw eServices portal

Important: You must pay on time every month. Late payments may result in failure from DRS.

Before you start

You will need:

●       Your DRS Case Reference number OR your NRIC number

●       A credit or debit card for payment

●       Internet access to use the online payment portal

Your monthly payment amount: Please refer to the email that the OA has emailed you.

Payment due date: 30th day of each month

Step 1: Go to the payment website

1.      Visit the MinLaw eServices portal: https://eservices.mlaw.gov.sg/ecoll/

2.      Read the terms and conditions carefully

3.      Click the "Agree" button to continue

Step 2: Select your payment type

4.      Look for "Debt Repayment Scheme" in the list of services

5.      Click on "Debt Repayment Scheme"

6.      Select "DRS Payment by Debtor" from the options

Step 3: Enter your details

7.      Enter your identification:

○       Type in your DRS Case Reference number OR

○       Type in your NRIC number

8.      Click "Proceed”

9.      Check that your case details appear correctly

Step 4: Choose what to pay

10.  Select "Monthly Instalment" from the payment options

11.  Do NOT select "Annual Fees"

12.  Check that the payment amount shows your correct monthly instalment: Amount: $X

13.  Key in your name in the “Payer’s Name”

14.  Click "Add to Cart"

15.  Click “Checkout”

16.  At the payment summary click “Proceed to pay”

17.  Enter your email address at the “Payment Status Notification” field.

18.  Select the preferred payment mode and click “pay”

Step 5: Make your payment

19.  Choose your payment method:

○       Credit card (Visa, Mastercard)

○       Debit card

20.  Enter your card details:

○       Cardholder name (exactly as shown on card)

○       Card number (16 digits)

○       Security code (CVV - 3 digits on back of card)

○       Expiry date (MM/YY)

○       Email address

21.  Click "submit"

Step 6: Confirm your payment

22.  Wait for the payment confirmation page to load

23.  Save or print your receipt - you will need this as proof of payment

24.  Write down your transaction reference number

25.  Keep your receipt until your next payment is due

What happens after you pay

Processing time: Within 1-2 working days

Confirmation: You will receive an email confirmation within 24 hours

Receipt: Keep your payment receipt and transaction number for your records

If you have problems with payment

Common issues and solutions:

For DRS payment questions: Contact the Insolvency and Public Trustee's Office (IPTO):

●       Phone: 1800 2255 529 (Local) / +65 6225 5529 (Overseas)

●       Online Enquiry: https://eservices.mlaw.gov.sg/enquiry/

●       Office: 45 Maxwell Road, #07-11 The URA Centre (East Wing), Singapore 069118

Important reminders

●       Pay on time: Late payments can result in failure from DRS

●       Pay the correct amount: Only pay your monthly instalment amount, not annual fees

●       Keep receipts: Save all payment confirmations

●       Check your email: Make sure you receive confirmation after each payment

●       Plan ahead: Set up calendar reminders for your monthly due date

●       Contact IPTO immediately if you cannot make a payment due to financial hardship

What if you miss a payment?

If you cannot make your monthly payment:

1.      Contact IPTO immediately at 1800 2255 529

2.      Explain your situation - temporary financial difficulty, loss of employment, medical emergency

3.      Provide supporting documents if requested

4.      Do not ignore the missed payment - this may result in failure from DRS

Possible options:

●       Extension of payment deadline

Need help or have questions?

Contact the Official Assignee:

●       Phone: 1800 2255 529 (Local) / +65 6225 5529 (Overseas)

●       Online Enquiry: https://eservices.mlaw.gov.sg/enquiry/

●       Office: 45 Maxwell Road, #07-11 The URA Centre (East Wing), Singapore 069118

For more DRS information: Visit https://io.mlaw.gov.sg/debt-repayment-scheme/about-debt-repayment-scheme/