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
Plans & Pricing

Transparent Pricing for Structured Debt Resolution

Three clear plans for loan settlement support. Our fee pays for our advisory, documentation and coordination work. Settlement money is separate and always goes to your lender, never to us.

Plan 01

Essential Settlement Support

₹5,000

For borrowers seeking structured assistance with loan and credit card settlement.

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Plan 02

Settlement + CIBIL Protection

₹7,000

For borrowers seeking settlement support with additional credit-report guidance.

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Plan 03

Settlement + CIBIL Rebuilding

₹10,000

For borrowers seeking settlement assistance and post-settlement credit improvement.

Compare plansTalk to an Expert

Compare the plans

What you getPlan 01Essential Settlement SupportPlan 02Settlement + CIBIL ProtectionPlan 03Settlement + CIBIL Rebuilding
Dedicated case team
WhatsApp group coordination
Escalation support
Financial and loan account assessment
Hardship documentation and lender communication
Credit report review guidance
Dispute guidance (inaccurate or disputed entries)
Post-settlement account-status review
Credit-improvement (rebuilding) roadmap
Credit-report monitoring guidance

Credit scores are decided by credit bureaus and lenders. We provide guidance and dispute support.

Core Service Commitments

  • Dedicated Case Team: Continuous support from a dedicated case coordination team.
  • Legal desk: Our legal desk responds within 48 hours to illegal recovery threats with a formal reply. We will file your harassment complaint with the bank and RBI. We stand between you and unlawful recovery practices.
  • Direct Access: Active WhatsApp group for clear, ongoing case-related communication.
  • Escalation Support: Call coordination and escalation handling when needed.
  • Documented Tracking: Systematic records of progress updates and settlement documentation.
  • End-to-End Guidance: Structured support through the entire settlement process from start to finish.

Important Financial & Service Clarifications

  • Professional Service Fees: The ₹5,000, ₹7,000, or ₹10,000 fees cover our advisory, documentation, and coordination services strictly as outlined in your selected plan.
  • Settlement Funds: Amounts payable towards settling your actual debt are entirely separate from our service fees. These funds are paid directly to your lender through official banking channels.
  • Estimated Settlement Requirement: Feasible settlement amounts and required payment timelines are estimated only after a detailed financial assessment and advisor consultation.
  • Final Settlement Authority: No settlement amount, timeline, or outcome is guaranteed upfront. All final settlement terms, waivers, and payment schedules are subject strictly to the lender’s official written approval.

Frequently asked questions

What do your fees pay for?

The fee pays for our advisory, documentation and coordination work. It does not go towards the settlement amount.

Do I pay settlement money to you?

No. Any amount you agree with the lender is paid by you into the lender's official account. We never collect settlement money.

How do I choose a plan?

Essential Settlement Support covers assessment, strategy and lender coordination. The other two plans add credit-report guidance or a rebuilding roadmap. We explain the fit on a call before you decide.

Are there hidden fees?

No. Fees are explained in writing before you proceed. You get a clear written plan for your case.

Questions about fees, payments or invoices?

Email finance@debtsupportexpert.com or call +91 79797 89458.

Want a rough idea of a settlement amount? Use the settlement calculator. Read the 7-stage roadmap and terms.