Protecting Borrowers Against Aggressive Action
We help corporate and retail borrowers resolve outstanding financial debt and challenge illegal loan recovery procedures, SARFAESI execution, DRT litigation, One-Time Settlements (OTS), and High Court banking disputes.
SARFAESI Matters
Facing Sec 13(2) or 13(4) notices? We challenge possession orders, contest auction actions, and represent you under Section 17 of the SARFAESI Act to secure stay orders on your properties.
DRT Representation
Get professional litigation support before the Debt Recovery Tribunal. We file counters against bank OAs, challenge recovery certificates, and fight physical eviction orders.
One Time Settlement
Negotiate maximum interest waivers and settlement cuts. Our experienced advocates mediate directly with bank committees to secure official OTS sanction letters.
Loan Restructuring
Restructure stressed commercial or retail loan portfolios. We help you renegotiate interest rates, secure tenure extensions, and reschedule monthly EMIs.
Recovery Harassment
Immediate legal protection against unauthorized recovery agent threats. We enforce RBI's Fair Practices Code to stop abusive collection visits and calls within 48 hours.
High Court Matters
File Writs under Article 226 to secure emergency stay orders on auction proceedings, challenge unlawful classifications, and appeal DRAT pre-deposit demands.
SARFAESI Notice Disputes
Complete legal advocacy and settlement loan advisory against bank possession, auction proceedings, and coercive SARFAESI actions under the Act of 2002.
When a borrower defaults on a secured loan, banks often rush to enforce the SARFAESI Act, bypassing civil courts. Receiving a Section 13(2) Demand Notice or a Section 13(4) Possession Notice is highly stressful, but you have substantial statutory safeguards. Our legal team reviews bank notices for strict procedural compliance, drafts official objections under Section 13(3A), and represents appeals to preserve your property.
Objection Notice (Section 13(3A))
We file formal objections highlighting calculation errors, arbitrary interest additions, and procedural lapses. Lenders are legally bound to reply within 15 days.
Tribunal Appeal (Section 17 SA)
If banks reject objections, we file a Securitisation Application (SA) before the Debt Recovery Tribunal (DRT) to challenge physical possession and auction actions.
Stay Orders & Relief
Our advocates present arguments to secure interim stay orders, preventing the bank's auction sale and physical eviction procedures by CMM/DM orders.
SARFAESI Specifications
- Notices Handled: Demand Notice (Sec 13/2), Possession Notice (Sec 13/4), Auction Sale Notices, Physical Possession Orders (Sec 14).
- Statutory Authority: SARFAESI Act, 2002
- Legal Appeal Body: Debt Recovery Tribunal (DRT)
- Est. Action Window: 15 to 45 Days
DRT & DRAT Representation
Strategic, aggressive legal representation before the Debt Recovery Tribunals (DRT) and Debt Recovery Appellate Tribunals (DRAT).
Lenders file lawsuits under the Recovery of Debts and Bankruptcy (RDB) Act to obtain Recovery Certificates. Operating within the tribunal requires specialized banking lawyers. Our litigation division prepares counters to disputed outstanding calculations, fights illegal penal interest additions, and contests lender claims to protect your business assets and personal liabilities.
Defending Original Applications (OA)
We file written statements and counters to dispute the debt amount claimed by the bank, highlighting illegal compounding and hidden fees.
Challenging Valuation and Sale
We file applications to challenge undervalued reserve prices set by banks for property sales, ensuring assets are not sold at throwaway prices.
Appellate Remedies (DRAT)
If a tribunal passes an adverse order, we draft and argue appeals before the Appellate Tribunal, challenging pre-deposit conditions to ensure a fair hearing.
DRT Specifications
- Key Actions: Written Statement Filing, Stay on Eviction, Appeal against Recovery Officer Certificates, Auction Cancellation Applications.
- Statutory Authority: RDB Act, 1993
- Tribunals Handled: All DRT & DRAT Benches across India
- Est. Action Window: 3 to 8 Months
One Time Settlement (OTS)
Secure compromise settlements and hair-cuts with public and private sector banks through experienced corporate negotiators.
For accounts classified as NPA, banks are often open to compromise settlements to recover bad debts. However, negotiating directly with bank managers can result in unfavourable terms. Our negotiation experts, comprised of former bankers and dispute resolution lawyers, structure settlement proposals, represent you in joint meetings, and maximize interest waivers.
Financial Viability Modeling
We evaluate your actual repayment capacity and asset coverage to draft a defensible settlement proposal that banks are likely to accept.
Committee Level Negotiations
We advocate on your behalf with bank committees, highlighting cash flow issues and legal disputes to push for significant interest waivers.
Sanction & Closing
We review the OTS Sanction Letter terms, manage pay-out schedules, and secure the No Dues Certificate along with title document release.
OTS Specifications
- Core Concessions: Penalty Interest Waivers, Hair-cuts on Principal Balance, Staged Repayment Tenure Extensions.
- Legal Authority: RBI Compromise Settlement Framework
- Empanelled Lenders: SBI, HDFC, ICICI, Kotak, Axis & major NBFCs
- Est. Action Window: 30 to 90 Days
Loan Restructuring
Structure sustainable loan repayment tenures, establish moratoriums, and reduce monthly EMI stress for businesses and individuals.
If default is due to temporary cash flow issues rather than structural business failure, restructuring is the ideal path. It prevents asset classification as NPA and protects credit scores. We compile formal restructuring proposals, recalculate Debt Service Coverage Ratios (DSCR), and negotiate with credit committees to ease your repayment burden.
Viability & DSCR Review
We audit your financial books and projected cash flows to determine a sustainable EMI payment schedule that ensures business continuity.
Moratorium and Rescheduling Proposals
We draft restructure applications proposing tenure extensions, interest rate concessions, or converting unpaid interest into funded interest term loans (FITL).
Bank Approvals
We represent your restructuring case before credit sanction officers, ensuring alignment with RBI's stressed asset guidelines.
Restructuring Specs
- Key Modalities: Tenure Extensions, FITL Conversions, Moratorium Extensions (up to 2 years), Interest Rate Lowering.
- Legal Authority: RBI Stressed Asset Resolution Framework
- Applicable Accounts: Retail Mortgages, SME Business Loans, Corporate Debt
- Est. Action Window: 30 to 60 Days
Recovery Harassment Protection
Deploy complete legal containment to stop illegal recovery agent calls, threat messages, and unannounced visits within 48 hours.
Borrowers have absolute fundamental rights under Indian law. Banks and recovery agents cannot threaten you, make calls outside approved hours (8 AM - 7 PM), contact friends or family, or enter your premises without permission. We enforce the RBI Fair Practices Code, route communications through our legal team, and file strict regulatory escalations to stop harassment.
Legal Cease & Desist Notices
We issue formal representation notices to banks and agency panels, directing all communications and visits to our legal division.
RBI Ombudsman & Nodal Escalations
If agents violate guidelines, we log the recordings/evidence and file complaints with the Banking Ombudsman and bank nodal grievance cells.
Law Enforcement Backing
In cases of physical trespass, verbal abuse, or coercion, our empanelled criminal advocates assist in filing police complaints for protection.
Harassment Specs
- Violations Covered: Threatening Calls, Off-hour Calls, Family/Friend Defamation, Illegal Home/Office Trespass.
- Legal Authority: RBI Fair Practices Code, BCSBI Guidelines, IPC Trespass and Coercion Statutes
- Resolution Type: Immediate cease-and-desist, Ombudsman penalties
- Est. Action Window: 24 to 48 Hours
High Court Banking Litigation
Aggressive writ petition filings and appellate representation before State High Courts for complex recovery disputes.
When tribunals like the DRT fail to grant urgent relief, or bank actions violate fundamental constitutional rights, State High Courts offer critical remedy. Under Article 226 of the Constitution, our high court litigation team files writs to challenge arbitrary bank declarations of Wilful Defaulter, appeal illegal NPA classifications, and request stay orders on auction proceedings.
Writ Petitions (Article 226)
We file writ petitions to challenge illegal bank proceedings and stay auctions when there is an abuse of legal process.
Challenging Wilful Default Classification
We challenge arbitrary bank classification orders declaring borrowers as Wilful Defaulters, safeguarding your commercial credibility.
DRAT Pre-Deposit Waivers
We file writ petitions to seek waiver or reduction of the mandatory 50% pre-deposit requirement required to appeal before the DRAT.
High Court Specs
- Remedies Filed: Writ Petitions (Art 226/227), Stay on Possession Executions, Quashing of Wilful Defaulter Orders, NPA classification challenges.
- Constitutional Basis: Articles 226 & 227 of the Constitution of India
- Jurisdiction: State High Courts across India
- Est. Action Window: 10 to 30 Days