A structured assessment for eligible unsecured personal-loan accounts when genuine hardship has made the existing repayment schedule unrealistic.
Liability and affordability review
Hardship-document checklist
Lender communication strategy
Written-offer and documentation support
02
Credit Card Settlement
Account-wise planning for high-pressure credit-card dues, with clear explanation of lender discretion and possible credit-report impact.
Card-wise outstanding review
Settlement-fund planning
Offer verification before payment
Final-letter and receipt checklist
03
Home Loan Consultation & Assistance
A personalised review for repayment stress on property-backed loans. Because the home is collateral, loan status, notices, affordability and lender options must be assessed before discussing any resolution route.
Loan and security-document review
Arrears and notice assessment
Repayment, restructuring and closure comparison
Personalised lender-communication plan
04
Car Loan Consultation & Assistance
Case-specific assistance for vehicle-backed loans where overdue EMIs can create collateral and recovery risks. We help organise the facts and compare feasible lender-approved options.
Outstanding and EMI review
Vehicle-loan document checklist
Notice and recovery communication support
Resolution-option comparison
05
Anti-Harassment Support
Evidence-led support for recovery calls, messages or visits that may cross applicable conduct standards—without obstructing lawful recovery activity.
Call and visit documentation
Single-channel communication requests
Lender grievance escalation
RBI-aligned conduct guidance
06
Legal Support
Professional assistance for notices, arbitration, conciliation and complaint correspondence connected with eligible debt-resolution matters.
Notice review and response
Arbitration and conciliation support
Complaint drafting
Case-document coordination
07
Restructuring & Closure Guidance
A comparison of available routes where continued repayment, restructuring, foreclosure or another lender-approved closure may be more suitable than settlement.
Option comparison
Repayment-capacity assessment
Lender-policy review
Decision trade-off explanation
08
Settlement Documentation
Support through the paperwork stage so the agreed amount, deadline, payment channel and final lender documents are understood and retained.
Written-term verification
Payment-proof records
Settlement-letter follow-up
Credit-report update guidance
IMPORTANT TO UNDERSTAND
Unsecured estimates and collateral-backed cases require different assessments.
Settlement is a negotiated outcome—not a guaranteed discount. Home and car loans involve collateral, so they require personalised review instead of an automated settlement assumption. Lender approval, timing and final terms vary by account.