Comprehensive legal and financial solutions for debt freedom.
Expert negotiation to settle unsecured personal loans and NBFC app debts.
Break the minimum-due trap and settle high-interest credit card liabilities.
Restructuring and settlement for MSMEs, traders, and small business owners.
Legal shield against unauthorized recovery agents and aggressive calls.
Strategic responses to court notices and legal guidance for debt cases.
Financial planning to rebuild your credit and stay debt-free for life.
In India, thousands of borrowers face immense pressure due to mounting EMIs, aggressive recovery calls, and the constant fear of legal action. At Loan Free Financial Services, we understand that financial difficulties often arise from circumstances beyond your control—be it a sudden job loss, medical emergency, or a business downturn. The stress can affect not just your finances, but your family life and mental peace.
We offer a structured, legal, and legal-backed alternative to panicking or ignoring the problem. Our approach is rooted in empathy, absolute confidentiality, and strict adherence to RBI-compliant debt resolution methods. We don't just settle debts; we help you reclaim your life and financial status with dignity.
Personal loans often become a burden when income drops or unexpected expenses arise. Many borrowers in Delhi and across India find themselves over-leveraged, taking one loan to pay another. This cycle is unsustainable and leads to severe financial distress.
Our experts analyze your loan agreements, current income, and total liabilities to negotiate directly with banks and NBFCs. We aim for sustainable settlements or restructuring plans that offer real relief, not just a temporary fix. By presenting a professional financial profile to your lenders, we secure terms that reflect your true capacity to pay.
Mr. Rajesh, a Delhi-based IT professional, had three personal loans totaling ₹15 Lakhs. After a job switch with a 30% pay cut, his EMIs exceeded his salary. We stepped in, analyzed his hardship, and negotiated a "Lump-sum Settlement" (LSS). He settled his total debt for ₹6.5 Lakhs, paid over 4 months, saving over 50% on his principal and interest.
Credit card debt is one of the most toxic forms of credit in India, with interest rates often exceeding 40% per annum. The "Minimum Amount Due" trap ensures that most your payment goes toward interest, leaving the principal untouched for years. The psychological stress of daily recovery calls and growing statements can be paralyzing.
We specialize in breaking this cycle. Our team negotiates for massive waivers of interest and late payment penalties. We work towards creating lump-sum or staged settlements that allow you to close these high-interest accounts once and for all.
Myth: Settling a credit card will permanently ban you from all banking
services.
Reality: While a settlement does impact your CIBIL score temporarily, it is far
better than a "Write-off" or "Default." With our guidance, you can follow a post-settlement
credit repair strategy to rebuild your score in 12-24 months.
For small business owners, traders, and freelancers in Delhi and across India, a cash-flow crunch is often a temporary hurdle, not a sign of failure. Delayed payments from clients or market slowdowns shouldn't lead to the closure of your business or the loss of your assets.
We provide specialized support for MSMEs. We negotiate with lenders for EMI restructuring, moratorium extensions, or one-time settlements (OTS). Our goal is to provide your business with the breathing space it needs to revive cash flow while protecting your professional reputation.
A garment trader in Tis Hazari faced a severe liquidity crisis due to delayed exports. With business loans worth ₹25 Lakhs and mounting interest, he was on the verge of default. We negotiated an "EMI Extension & Interest Reduction" plan. The bank agreed to reduce his monthly EMI by 40% for the next 18 months, allowing him to stabilize his operations without losing his credit credibility.
One of the most distressing aspects of debt is dealing with aggressive recovery agents. Many agents resort to unauthorized tactics like calling at odd hours, threatening friends or family, and visiting homes or offices without prior notice. These behaviors are not just unethical; they are often in direct violation of RBI's Fair Practices Code and various Supreme Court judgments.
At Loan Free Financial Services, we act as a shield between you and the harassers. Our goal is to stop all forms of illegal harassment and steer the conversation towards lawful, respectful negotiation. We represent your case to the lenders' nodal officers and ensure that your rights as a borrower are respected at all times.
Receiving a legal notice or a court summons for debt can be terrifying. Many borrowers make the mistake of ignoring these documents, which can lead to ex-parte orders or severe legal consequences. Whether it's a notice under Section 138 (Cheque Bounce) or a generic demand notice, timely action is critical.
Our legal team at Tis Hazari Court specializes in analyzing these notices and formulating a strategy that protects your interests. We help you understand the legal standing of the claim and explore possibilities of settling the matter even after litigation has begun. Settlement in court (Lok Adalat or through mediation) is often a viable and structured way to close old debts.
Becoming debt-free is the first step; staying debt-free is the real achievement. Our credit counselling sessions are designed to educate you on responsible financial behavior and prevent you from falling into similar traps in the future. We believe that financial literacy is the best defense against debt distress.
We work with you to understand the root causes of your past debt, whether it was lack of budgeting, impulse spending, or poor choice of credit products. Our goal is to help you build a resilient financial future where you are in control of your money, not the other way around.
A typical 45-minute counselling session involves a deep dive into your monthly income and mandatory expenses. We help you identify "leaks" in your spending and create a customized 6-12 month financial roadmap. We also provide tips on how to negotiate better terms for any remaining healthy loans you may have.
We understand that some situations require immediate intervention. If you are facing continuous harassment, threats of home visits, or have just received an urgent legal summons, our emergency response team is here to provide immediate guidance and support.
Our priority is to de-escalate the situation and provide you with a clear action plan within hours. We handle high-distress cases with the highest level of urgency and empathetic care.
Not sure which service fits your current situation? Match your profile with our recommendations below:
You are stuck in a cycle of high interest and fees.
Credit Card Debt ResolutionYou need immediate protection and legal boundary setting.
Recovery Agent Harassment ProtectionYou need breathing space to revive your operations.
Business Loan RestructuringYou need urgent legal strategy and drafting support.
Legal Notice & Court Case Support