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Stop Recovery Agent Harassment: Know Your RBI Rights in 2026
Debt Settlement

Stop Recovery Agent Harassment: Know Your RBI Rights in 2026

The calls start before you're awake and continue well after dinner. The agent has spoken to your spouse, perhaps your employer. There may have been a visit to your home or your wo…

Adv. Urvashi Goswami
Adv. Urvashi Goswami·18 Jun 2026·9 min

About this area of law

Drowning in loan EMIs or hounded by recovery agents? Indian borrowers have real legal protection — RBI's rules limit when and how recovery agents can contact you (8 a.m. to 7 p.m., no threats or public shaming), and a one-time settlement (OTS) lets you close a loan for a reduced lump sum. But a "settled" status hurts your CIBIL score for years, and the process has traps. Our guides explain your rights against harassment, how to negotiate a settlement, the NPA and SARFAESI process, and how to rebuild your credit afterwards.