6 digits debt is not the end of the world.
Many people went bankrupt for various reasons (for Singaporeans to be declared bankrupt, they will need to be in debt for at least 100k).
There is nothing your debtor can do if you really cannot pay. At most declare you bankrupt, even then, they cannot do anything to you except to auction off the valuables you have. After that, you will be accord a plan, to pay off the debt, and depending on your earning power, you debt can be clear in probably a few years.
There are a few agencies for you to consider seeking help from:
1. CCS (
https://www.ccs.org.sg/)
2.
https://www.sos.org.sg/
If you are being hassle by illegal money lenders, please call the police.