RBI rules: read the RBI guidelines on loan settlement and recovery
  • Already in force: lenders and recovery agents must not call you for overdue loans before 8 AM or after 7 PM
  • Credit report correction not done within 30 days of your complaint? You get ₹100 for each day of delay
  • Recovery agents must not threaten, humiliate or harass you, your relatives, friends or co-workers
  • From 1 Jan 2027, banks must also tell you the recovery agency’s details at least one day before its first visit
  • From 1 Jan 2027, banks must list their recovery agencies on their website
  • Lenders agree settlements under their own Board-approved policy; it is not an automatic right
  • After a compromise settlement, lenders wait at least 12 months before lending to you again (non-farm loans)
  • No reply from your bank in 30 days, or unhappy with it? You can complain to the RBI Ombudsman at cms.rbi.org.in
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LOAN SETTLEMENT & DEBT RESOLUTION SUPPORT

Debt Help for EMI, Credit Card & Recovery Problems

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Every financial situation is different. We offer personalised guidance and debt-resolution solutions tailored to your circumstances and needs.

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We assess every case individually and guide you through a structured process based on your financial circumstances, lender requirements and applicable regulations.

  1. Step 1: Consultation & Financial Assessment

    Understand your financial situation.

  2. Step 2: Quotation & Settlement Strategy

    Receive a personalised service proposal.

  3. Step 3: Lender Communication & Negotiation

    Structured communication with lenders and help with available resolution options.

  4. Step 4: Settlement Confirmation & Closure Papers

    Review settlement documents and closure papers.

See the full 7-stage process Outcomes depend on your lender and your case; settlement is not guaranteed.

About us

About Debt Support Expert

A loan settlement consultancy in India for borrowers who cannot keep up with EMIs or card dues. We are not a bank, NBFC, or recovery agency; settlement money goes only to your lender.

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Frequently Asked Questions

Short answers to the questions we hear most.

Yes. Banks and NBFCs can agree to settlements under their own policies, within the RBI rules on settlements issued in June 2023. But it is the lender's decision whether to offer a settlement, and on what terms.

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Tell us about your situation and we will explain the options that may suit you. A settlement may or may not be possible. It depends on your money situation and on what your lender decides. No amount or result is guaranteed.

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