Last updated: 29 May 2026. Please read this disclaimer carefully before relying on any information or service provided through this website.
In short
Loan Free Financial Services provides consultation, negotiation support, documentation guidance and legal coordination. We are not a lender, we do not encourage intentional default, and we do not guarantee any waiver percentage, settlement outcome or CIBIL result. All outcomes vary case by case.
We are not a lender
We do not provide loans, credit, refinancing or any banking product. We assist borrowers in understanding their options and in communicating with their existing lenders.
No guaranteed results
Debt settlement and restructuring outcomes depend entirely on the lender's policy, your outstanding amount, your hardship profile and your documentation. We cannot and do not promise a fixed reduction, a particular timeline, or a specific credit-score result.
Effect on your credit profile
Settling an account for less than the full amount is typically reported as "Settled" and may negatively affect your credit score for several years. You should weigh this carefully before proceeding.
Informational content only
Articles, guides and FAQs on this website are for general educational purposes and reflect our understanding of applicable rules (including RBI fair-practice guidance) at the time of writing. Laws and regulations change. Nothing here is legal, financial or tax advice for your specific situation.
No attorney–client or advisory relationship
Browsing this website or submitting an enquiry does not by itself create any professional, advisory or attorney–client relationship. Such a relationship begins only after a formal engagement is agreed in writing.
Third-party references
Where we reference external bodies (such as the RBI) or link to third-party resources, we do so for information only and are not responsible for their content.
Questions
Email info@athenalegalsolutionllp.in or call +91 70425 38878.