Getting a legal notice or harassment calls? You have more protection than you think.
A recovery notice, a threat of court action, or agents calling outside permitted hours, none of it means you're without options. We step in fast to review the notice, push back on illegal tactics, and make sure any legal action against you is actually handled properly.
If any of this sounds familiar, don't wait.
Daily calls, multiple times a day
Recovery calls that go well beyond a reasonable reminder, sometimes from several numbers at once.
Threats to visit your workplace
Agents threatening to show up at your office or contact your employer directly.
A legal notice you don't understand
A formal letter referencing legal action, but unclear on what it actually means for you.
Contact with family or neighbours
Your dues being discussed with people who have nothing to do with the debt.
Calls at odd hours
Recovery contact outside the daytime hours permitted under RBI's own guidelines.
Pressure to pay immediately
Aggressive demands for full payment on the spot, with no room to discuss terms.
Legal recovery vs. illegal harassment.
Lenders are allowed to recover dues. They are not allowed to do it this way.
Not allowed
- Abusive, threatening, or humiliating language
- Calls before 8am or after 7pm
- Contacting your employer, family, or neighbours about your dues
- Visiting your home or workplace unannounced and repeatedly
- Threatening arrest for a civil debt
Legally permitted
- Reasonable reminder calls within daytime hours
- A formal written notice of dues or intent to pursue recovery
- Referral to a registered recovery agent identified by name
- Civil legal proceedings filed through proper court process
- A cheque bounce case filed under Section 138 if applicable
A scary letter doesn't mean you're out of options.
Most people freeze up the moment a legal notice arrives. The right first step is understanding exactly what it says, not panicking or ignoring it.
What we actually do when you reach out.
Review the notice or complaint
We read exactly what's been sent to you and explain, in plain terms, what it means and what it doesn't.
Push back on illegal recovery tactics
If contact has crossed into harassment, we intervene directly to get it stopped.
Coordinate a response
Where a formal reply or documentation is needed, we help make sure it's handled properly and on time.
Work toward resolution
Wherever possible, we negotiate a settlement that closes the underlying issue rather than letting it escalate further.
What the law actually guarantees you.
Fair Practices Code
RBI's code sets clear limits on how lenders and their agents can contact you.
Right to a named agent
Recovery agents must identify themselves and carry proper authorization.
Right to privacy
Your debt is between you and your lender, not for public or third-party disclosure.
Right to written notice
You're entitled to formal, written communication before recovery escalates.
Right to raise a complaint
You can escalate unfair treatment through the lender's own grievance channel or the banking ombudsman.
Right to due process
Any legal action must go through the proper court process, not private threats or intimidation.
Legal support, answered honestly.
Don't face a legal notice alone.
Send us what you've received and we'll tell you plainly what it means and what to do next, no obligation, no cost to find out.