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

About Debt Support Expert

We help borrowers in India understand their options when loan or credit card payments become difficult, and we help them approach their lenders. Debt Support Expert is a loan settlement consultancy. We do not issue loans, credit cards, or refinancing.

Modern office interior with white desks and black chairs
WHAT WE DO

Our Approach

Job loss, illness or low business income can make EMIs and card dues too heavy to pay. Many people do not know what options they have, or what their rights are.

We start with clear information: what a lender may legally do, when recovery becomes harassment, and what settlement or repayment options can mean for your credit report. Then we look at your situation, explain the options that may suit you, and help you prepare and talk to your lender. If you get a legal notice and need a lawyer, we suggest you speak to one of your own choice.

The lender decides any settlement.

Our Vision and Mission

Vision

We want borrowers who fall behind on loans to be treated with dignity, to understand their choices, and to settle or repay in a way that is fair and on record.

Mission

Give each client a clear review of their dues, honest advice on what may work, support in every talk with the lender, and written terms before any payment is made.

Who reviews our guides

Each blog post and guide shows who reviewed it. We are a loan settlement consultancy, not a law firm, and our guides are general information, not legal advice. For advice on your own case, please speak to a lawyer of your choice.

Transparency & Professional Process

What you should know before you start, what we do for you, and what we will never do.

Transparency • What You Should Know Before You Start
Who we are

A consultancy, not a lender

We are a loan settlement consultancy. We do not issue loans, credit cards, or refinancing.

Honest outcomes

The lender decides

The lender decides any settlement.

Fees

Fees explained first

Fees depend on your case and are explained clearly before you decide to proceed. Settlement payments go to your lender, never to us.

Contact

+91 79797 89458

Phone and WhatsApp. Monday to Friday, 9:00 AM to 5:00 PM IST. Email: support@debtsupportexpert.com

Before you trust anyone with your case

How we work, and what we will never do

  1. 01

    You share your situation

    Your loans or cards, what is outstanding, how overdue you are and what worries you most.

  2. 02

    We explain your options and our fees

    A lower EMI plan, a payment plan, settlement, or dealing with recovery calls first. We explain our fees before you decide.

  3. 03

    We help you prepare and communicate

    If you choose to go ahead, we help you write a clear letter about why you cannot pay, and we help you talk to your lender in writing.

  4. 04

    You decide on any written offer

    Pay only after the lender confirms terms in writing, and only to the lender’s official account.

What we do

  • Review your loans, dues and income with you
  • Explain the options that may suit you: a lower EMI plan, a payment plan, or loan settlement
  • Help you write your reason for not being able to pay, and collect documents
  • Help you talk to your lender and read any offer in writing
  • Explain what recovery agents may not do, and how to complain

What we don’t do

  • Give loans, credit cards or refinancing
  • Collect your settlement money. You pay your lender directly
  • Promise a waiver, a settlement amount or any result. The lender decides
  • Ask you to stop paying EMIs that you can afford

Debt Support Expert is a loan settlement consultancy. We do not issue loans, credit cards, or refinancing.

The lender decides any settlement.

Fees depend on your case and are explained clearly before you decide to proceed. The information on this site is general information, not legal advice for your case.

Read our full process, terms and disclaimer and privacy policy.

About our guides

What we are. Debt Support Expert is a loan settlement consultancy. We are not a bank, an NBFC, or a recovery agency.

Our guides are reviewed. Each guide and blog post shows who reviewed it and the date it was last reviewed. Our content is general information, not legal advice. For advice on your own case, please speak to a lawyer of your choice.

Where our information comes from. Every rule we mention links to the official source, mostly the Reserve Bank of India (rbi.org.in) and India Code (indiacode.nic.in). Each guide shows the date it was last reviewed.

How we handle money. We never collect settlement money. You pay your lender directly, into its official account, only after you have the offer in writing.

How we talk about results. The lender decides whether to settle and for how much. We do not publish success rates, settlement percentages or promises, because no honest consultant can promise them.

How we charge. Fees depend on your case. We explain them in writing before you decide to go ahead.

How we protect your data. We use your details only to reply to you and work on your case. We never ask for OTPs, PINs or passwords. See our Privacy Policy.

How to reach us. Phone and WhatsApp 7979789458 · support@debtsupportexpert.com · Mon–Fri, 9 AM–5 PM IST.

How to complain about us. Email support@debtsupportexpert.com with the subject "Complaint".

Check any company first. Read how to choose a loan settlement company safely and loan settlement scams: red flags.

Contact Us

Call or WhatsApp +91 79797 89458, or email support@debtsupportexpert.com. Monday to Friday, 9:00 AM to 5:00 PM IST. Closed Saturday and Sunday.