Your Personalized Debt Freedom Program (2025)
Gold Members receive full-spectrum support from Sharma Debt Solutions to manage debt, stop harassment, and get legal coordination when needed. It’s more than guidance — it’s practical, case-specific help at every step. All services are coordinated personally by Mr. Sharma and his team, with complete confidentiality.
A dedicated session with Mr. Sharma to understand your situation and create a personalized plan for settlement, savings, and stress relief.
We guide you case-by-case. In many situations, we recommend limiting phone communication until your loan account becomes NPA — because that’s when lenders are typically open to real negotiation. If you choose to engage, we’ll coach you on what to say (and what not to), how to stay calm, and how to avoid verbal traps or panic. You get real examples, tested scripts, and peace of mind — whether you engage or pause.
If the calls or visits don’t stop, we escalate. You’ll get ready-to-use RBI complaints, harassment log trackers, and when needed — legal notices sent via trusted advocates to stop abuse at the source. The goal? Buy you time, protect your rights, and stop the mental torture.
We’ll build a real-world monthly budget based on your income, expenses, and EMI burden — so you have a clear path to repayment.
We help you communicate with lenders, understand their offers, and respond smartly to reach a fair, written settlement.
We help you reach out the right way — often resulting in full or partial interest waivers.
Before you sign anything, let us review it. We’ll highlight red flags and help you avoid fake or one-sided settlements.
Access a private hub of ready-to-use replies for notices and harassment. Save thousands by handling early-stage cases without a lawyer.
As a Gold Member, we sponsor two essential legal services for you — at no extra cost:
This benefit alone is worth ₹4,000–₹6,000 — and it’s fully included.
For serious escalations like bail matters or court hearings, we help you connect to trusted independent advocates from our network across major cities in India. While we aim to find someone suitable for your location and case, availability may vary. Final acceptance, legal strategy, and court appearances are handled entirely by the referred advocate. Sharma Debt Solutions is not a law firm and does not represent clients in court.
We check in with you regularly to make sure you’re staying on track — emotionally and financially.
Once your debt is resolved, we give you a clear, safe roadmap to rebuild your credit score — without getting into more loans.
If a bank or NBFC is mistreating you, we help file RBI complaints or formal letters that get real attention.
Lost a job? Medical emergency? We offer calm, strategic advice to prevent new debt traps during tough times.
As a Gold Member, your callback and email queries jump the queue — because your peace of mind can’t wait.