Frequently Asked Questions
Have a question? Check out the FAQ.
How will you help me settle my loan or credit card dues?
We'll first understand your situation and explain your legal rights so no bank or NBFC can trouble you. Then we’ll make a repayment and settlement plan that fits your pocket. Our team talks directly to the bank or NBFC to get you the best deal. If needed, our lawyers will also defend you in court.
Will you talk to my bank or NBFC on my behalf?
Yes. Once you give us permission through a Power of Attorney, we can speak to your bank or NBFC directly and handle all the discussions for you.
Will I get a written settlement letter from the bank?
Yes, we make sure the bank gives you a written settlement agreement and a No Objection Certificate (NOC) once the payment is done.
How long does it take to settle a loan?
Most cases take about 6 months, but it depends on your repayment capacity and how quickly the bank responds.
Do you handle legal notices or court cases too?
Yes, our legal team will reply to notices and represent you in court or arbitration if needed.
Do I need to pay upfront?
No, we don’t take heavy upfront fees. You can pay our service fee in easy monthly installments during the process.
Will I get an agreement for your service?
Yes, you’ll receive all legal documents like a Letter of Intent, Service Agreement, Scope of Work, and proper invoices.
Can I get new loans in the future?
Yes, once your CIBIL score improves, you can get new loans. We also work with trusted partners who can help you access fresh credit when you're ready.
Do you help improve my credit score after settlement?
Yes, we guide you step-by-step to rebuild your credit score after your settlement is complete.
How do I know the settlement is real and accepted by the bank?
All settlement offers come from official bank emails. Once accepted, the update appears in your CIBIL report and the bank gives you an NOC as proof.
What if the bank doesn’t agree to the settlement?
Our advocates negotiate firmly and work to reach a fair deal that banks usually don’t reject.
What if recovery agents keep calling or harassing me?
We’ll step in immediately. Our advocates will report it to the bank and, if needed, file a complaint under RBI rules to stop the harassment.
Can you stop cheque bounce or Section 138 cases?
Yes, our experts handle such matters early and often close them through direct talks with the bank before they reach court.
What documents do you need from me?
We just need your ID proof, loan details, and your signature on our service agreement to start the process.
Do you work with all banks and NBFCs?
Yes, we work with all major banks, NBFCs, and app-based lenders that are registered with the RBI.
What if I have many loans or credit cards with different banks?
We’ll create a simple, structured plan to handle all your lenders one by one so you can repay without too much pressure.