You missed a couple of EMIs. Suddenly, your phone won’t stop buzzing. Unknown numbers. Threatening tone. Maybe an “agent” shows up at work (not okay) or calls your relatives (also not okay). Take a breath. You’re not powerless. This guide explains how to complain to RBI about loan harassment—step by step—so you can push back […]
How to Complain to RBI About Loan Harassment (2026 Guide for Borrowers) Read More »
If you’ve ever missed a loan EMI, you know the pressure that follows. Calls from banks, recovery agents at your door, and the constant fear of harassment — it’s overwhelming. But here’s the truth: the Reserve Bank of India (RBI) has set strict rules to protect you. This article is your borrower’s guide to the
RBI Guidelines for Loan Recovery (2026 Update): What Every Borrower Must Know Read More »
If you’re buried under credit card dues and recovery calls are eating away at your peace of mind, you’ve probably searched for a credit card settlement agency in India. You’ve seen the promises: “Settle at 70% off!” or “Instant relief from harassment!” But the truth is different. Most “agencies” charge heavy commissions, offer surface-level solutions
So, what happens if I pay minimum due on credit card? Let’s break it down in simple words. We’ve all been there. The credit card bill arrives, your eyes pop out looking at the total outstanding, and then you spot a smaller, seemingly harmless number: “Minimum Due.” Relief washes over you — “Great, I’ll just
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If you’re carrying a loan you can’t keep up with, or considering settling it early, you probably want to know: how much will I actually pay if I opt for settlement? That’s where a good loan settlement calculator comes in. In this article, I’ll show you what settlement means, how to calculate it, what impacts
Loan Settlement Calculator India (2026): Estimate What You’d Really Pay Read More »
Let’s be real—debt can feel like carrying a mountain on your back. When the pressure of EMIs, interest, and collection calls pile up, negotiating a loan settlement percentage with your bank can be your shortcut to freedom. But here’s the kicker: most borrowers don’t know how to play the game right. The result? They either
Arbitration in loan settlement is increasingly becoming the go-to mechanism for resolving loan disputes — especially in credit card and personal loan cases where speed, confidentiality, and cost matter. For lenders and borrowers alike, arbitration offers an alternative to slow courtroom battles. But is it always better? And how does arbitration actually change the dynamics
The Ultimate Guide to Arbitration in Loan Settlement (2026 Edition) Read More »
Every month your credit card bill shows two numbers: Total Amount Due and Minimum Amount Due. At first glance, the minimum due seems like a relief. Instead of paying ₹50,000 in full, you could just pay ₹2,500 and avoid penalties. But the reality is different. Paying only the minimum due in credit card bills is
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If you’ve ever struggled with repaying your student loan, you’re not alone… If you’ve ever struggled with repaying your student loan, you’re not alone. Thousands of borrowers in India look for ways to settle education loan in Lok Adalat because it offers a faster, cheaper, and more humane route compared to lengthy court battles. In
How To Settle Your Education Loan in Lok Adalat (Ultimate Guide 2026) Read More »
Thinking of Closing That Car Loan Early? Whether you’re facing a financial crunch or just want to free yourself from those monthly EMIs, understanding the car loan settlement process is essential. Most people don’t realize how things like loan foreclosure, settlement offers, or even prepayment penalties can affect their credit score and future borrowing capacity.