Debt SettlementCan You Go to Jail for Not Repaying a Loan in India?
The call comes at 8:45 on a Tuesday night. A man who says he's from the bank's "legal department" tells Rohan, a shop owner in Ghaziabad, that a warrant is being prepared, that…
Adv. Urvashi Goswami·15 Jul 2026·15 min
How Much % Can You Settle a Loan For? (And Getting Your NOC Right)
You owe ₹2.4 lakh on a personal loan you stopped paying eight months ago. The calls have changed tone. Now a recovery officer is offering a "one-time settlement" — pay ₹1.3 lakh a…
Adv. Urvashi Goswami·30 Jun 2026·8 min
Bank Account Frozen by a Cyber Cell? The Exact Steps to Unfreeze It in India
You try to pay rent and the transfer bounces straight back. The balance is sitting right there in the app, but nothing will move out. The helpline reads out a line about a "lien m…
Chandra Mauli Mishra·29 Jun 2026·10 min
Your Loan Became an NPA: What Happens Next — and How to Settle It
Your phone won't stop ringing. The EMI bounced three months ago, then the next two, and last week a letter arrived with the words "your account has been classified as a Non-Perfor…
Adv. Urvashi Goswami·22 Jun 2026·10 min
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·18 Jun 2026·9 min
