Plain-language guides from the advocates at PKS Legal on problems with loans, credit cards and banks in India: recovery agent harassment, EMIs you cannot pay, settlement, legal notices, SARFAESI, the Debt Recovery Tribunal and complaints to the RBI. Each guide explains your rights, the deadlines that matter and what to do next.
Loans, banks and recovery
- Loan recovery agent harassment: your rights and what to doRecovery agents calling family, visiting your home or office, threatening you? What RBI rules allow, what they forbid, and how to complain to the bank, RBI and police.
- Unable to pay your personal loan EMI: what happens and what you can doUnable to pay your personal loan EMI? What happens legally when you default, how restructuring and one-time settlement work in India, and how to protect yourself.
- Credit card debt you cannot pay: settlement, notices and your rightsCan't pay your credit card bill? What happens when you miss the minimum due, how credit card settlement affects CIBIL, and how to stop recovery harassment.
- Loan settlement and managing several loans: a practical legal guideHow one-time settlement (OTS) with a bank works, how to handle multiple loans, which documents to gather, getting the settlement letter, and rebuilding your CIBIL score.
- Legal notice from the bank, SARFAESI notice or DRT case: what to doReceived a legal notice from your bank, a SARFAESI 13(2) or 13(4) notice, or DRT summons? Deadlines, your right to object, and how to respond in time.
- Home loan default and property auction: how to protect your homeMissed home loan EMIs? When a bank can take possession and auction your property under SARFAESI, the notices it must give, and the steps that can stop the auction.
- How to complain against a bank or NBFC in IndiaStep-by-step: complaining to a bank or NBFC, escalating to the RBI Integrated Ombudsman, unfair charges, recovery harassment and wrong CIBIL reporting.
- ব্যাংক লোন বা ক্রেডিট কার্ডের টাকা দিতে পারছেন না? আপনার অধিকার ও করণীয়লোনের EMI দিতে পারছেন না, রিকভারি এজেন্ট বাড়িতে আসছে, ব্যাংক থেকে লিগ্যাল নোটিশ বা সম্পত্তি নিলামের নোটিশ এসেছে? আপনার অধিকার ও করণীয়, সহজ বাংলায়।
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Our advocates handle recovery harassment, settlement negotiation, bank notices, SARFAESI and DRT matters in Kolkata and across West Bengal. Tell us about your case and we will get back to you.
Become a ClientCall +91 81001 21141This guide gives general information about the law in India as on 10 November 2026. It is not legal advice for your situation, and reading it does not create a lawyer-client relationship. Rules and limits change; please take advice on your own facts.