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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Every financial situation is different. Share a few details about your loans and repayment difficulties so our team can understand your needs and guide you towards suitable options.

  • Takes about 30 seconds
  • Used only to respond to your enquiry
  • A consultancy, not a lender

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About your loans. Takes 30 seconds. No OTP, no PAN.

Loan type (choose all that apply)
Getting recovery calls or harassment?

We are a debt consultancy, not a lender. Prefer to talk? Call +91 79797 89458.

We explain your options and help you talk to your lender. Settlement depends on the lender's own decision. If you need legal advice, a lawyer of your choice can advise on your case.

Please do not enter account numbers, card numbers, Aadhaar, passwords or OTPs. We never ask for them.

What happens next

  1. We reply within 1 business day (Mon–Fri, 9 AM–5 PM IST).
  2. We ask a few questions and explain your options and our fees.
  3. You decide if you want to go ahead.

Your lender decides whether to settle. No result is guaranteed. If you need legal advice, please speak to a lawyer of your choice.

Need help with something specific?

Prefer to talk? Call or WhatsApp 7979789458.

Frequently asked questions

What happens after I submit this form?

We read your note and get in touch to understand the loans, the missed payments and any recovery pressure. You are not signing up for a plan just by sending the form.

What should I not share here?

Please do not enter account numbers, card numbers, Aadhaar, passwords or OTPs. We never ask for them. A name, phone number and a short description of the problem are enough to start.

Will you contact my lender straight away?

No. We talk to you first. Written communication with a lender starts only after you have understood the plan and agreed to proceed.

What can you do if agents are threatening me?

We will file your harassment complaint with the bank and the RBI, and our legal desk will send a formal reply to illegal recovery threats. We stand between you and unlawful recovery practices. We cannot decide how a bank or a court will respond.

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