Terms of Service & Regulatory Disclaimers

1. Nature of Our Services

Debt Support Expert is a loan settlement consultancy for borrowers who are struggling to repay loans or credit cards, or who face recovery pressure:

• We explain borrowers' options and the RBI rules on fair recovery conduct, and help with complaints to the lender or the RBI Ombudsman.
• If you get a legal notice and need a lawyer, you can speak to one of your own choice. We are not a law firm.
• We help borrowers prepare their case and talk to lenders about a lower EMI plan or a one-time settlement.

2. What We Do NOT Do

• We are not a Non-Banking Financial Company (NBFC) or Bank: We do NOT disburse loans, refinance debt, provide balance transfers, or issue fresh credit lines.
• No Direct Debt Payments to Us: All settlement compromise amounts are deposited by the borrower directly into their designated bank loan/credit card account. We NEVER collect settlement funds on behalf of lenders.
• No False Guarantees: Waivers are determined solely by lending institutions according to internal NPA recovery policies and genuine borrower hardship.

Fees

Fees depend on your case and are explained clearly before you decide to proceed.

3. Verification of Official Settlement Letters

Clients are strictly advised never to make cash payments or transfer settlement funds based on verbal claims or agent promises. Payments must only be executed upon receipt of a verified, official compromise sanction letter issued by the lender through its official channels.